DETROIT — Major changes in Michigan car insurance law do not apply to people who were catastrophically injured before the summer of 2019, the state appeals court said Thursday, a victory for long-term victims of motor vehicle crashes and their care providers.In a 2-1 opinion, the court said lawmakers “did not clearly demonstrate” that insurance payment cuts would be applied retroactively.And even if those changes were intended to be retroactive, that step violates contract protections in the Michigan …