Under the Michigan No-Fault law, an automobile insurer may be responsible for the reimbursement of all allowable expenses, which includes medical expenses such as doctor bills, hospital bills, medical equipment, medications, physical therapy and transportation expenses incurred by the accident victim for the purpose of obtaining medical treatment. An accident victim can also receive payment for modifications to the home that are necessary and due to injuries sustained in a car, motorcycle or truck accident.
The medical expense benefit is very broad. Basically it provides for the payment of all medical expenses for life. There is no dollar limit on this benefit. The main requirement is the medical charges are reasonable and the medical services and products for the injured person’s care, recovery and rehabilitation are reasonable and necessary.
The reimbursement an individual will receive depends upon the type of insurance policy he or she purchased. If it is a coordinated policy, and most policies are coordinated, the auto insurer only pays medical expenses not paid by the health insurer. In this case, the auto insurer is deemed secondary. However, if an individual has a full policy, the auto insurer pays all medical expenses incurred, even those paid directly by the health insurer.
If a person has no health insurance, then the auto insurance company is primary for all medical expenses.
Again, in Michigan, there is no maximum medical expense benefit. This means automobile insurance companies are obligated to pay the cost of all reasonable and necessary medical bills for the rest of your life that are related to the car, truck or motorcycle accident are not paid by your primary health insurer.