Section 3107(a) provides for all reasonable charges for reasonably necessary products, services, and accommodations for a Michigan auto accident injured person's care, recovery or rehabilitation.
Except in extreme cases, only semi-private accommodations for hospital rooms are considered allowable expenses. For in-home nursing services, you are only covered for the reasonable value of the services, including those performed by family members if they are reasonably necessary. These services, however, are not subject to the $20 per day and three-year maximum limitations. Michigan Auto Law has secured many million dollar settlements on behalf of the catastrophically injured and the affected care providers.
Other allowable expenses include home modifications, medical mileage, vocational rehabilitation (includes tuition, book and fees to retrain if insured can't return to job) and, $1,750 maximum in funeral/burial expenses.
The reasonableness of chargeable expenses is a question of fact for the jury. Doctors cannot charge more to an insured under the No Fault statute than he or she does for regular patients. Furthermore, if the claimant is an indigent, the insurer cannot limit its payment to what the doctor would have received from a government program that would have made the payment on behalf of the indigent.