Medical Expenses (i.e. medical bills, prescription drugs) – payable for life

If you are injured in an automobile accident, MCL 500.3107(1)(a) provides that you are entitled to: “Allowable expenses consisting of all reasonable charges incurred for reasonably necessary products, services and accommodations for an injured person’s care, recovery, or rehabilitation.” These benefits are payable for life and do not have a cap (i.e. they are unlimited in amount and duration). Under this statute, your insurance company will pay for all reasonably necessary hospital expenses, doctor’s charges, prescriptions, medical equipment, physical therapy, psychological services, vocational therapy, occupational therapy, and speech therapy. If you are injured in an automobile accident, the expenses incurred for any of the mentioned services must be reasonably necessary for your (the injured person’s) care, recovery and rehabilitation. Whether said services and expenses are reasonably necessary often (if not always) require a prescription from your physician(s).