No-Fault Insurance Allowable Expenses

No-fault insurance companies in Michigan are required to pay all of a claimant’s medical expenses related to injuries sustained in the accident being covered as long as they are reasonable charges for reasonably necessary services and products.

Our Detroit auto accident lawyers find that many clients want to know exactly which medical expenses their insurance company will pay for. Often this is because either their insurance company has turned down an expense claim or they expect the insurance company to do so.

The official rule is that if they are related to injuries you incurred in an auto accident, your no-fault insurance company must pay for “all reasonable charges incurred for reasonably necessary products, services and accommodations for an injured person’s care, recovery or rehabilitation.”

The insurance company must pay for them no matter

...   who was at fault in the accident,

...   how much the total costs are or

...   how long after the accident the expenses are incurred.

What can get fuzzy are the definitions of “reasonable charges” and “reasonably necessary.” Insurance companies are notorious for trying to weasel out of paying medical bills under the claim that they are unreasonable in the amount of the charge or that the service or product was not reasonably necessary. Here’s how our Michigan injury attorneys look at it . . .

What Your No-Fault Insurance Must Pay in the Way of Medical Expenses

Our Detroit auto accident attorneys believe that any medical expense must be paid for by your no-fault insurance as long as it is related to an injury incurred in an auto accident the insurance company is obligated to cover and is one of the following:

• Hospital services
• Physician services
• Medications or drugs
• Orthopedic devices
• Other equipment, services, products, etc. that meets one or more of the following:

1. Prescribed by a doctor or other healthcare professional treating your accident-related injury
2. Facilitates healing and recovery
3. Facilitates a return to a normal life as close as possible to your life prior to your accident and injury
4. Compensates for daily living activities you are no longer able to perform, either temporarily or permanently, because of the injury

No-fault insurance companies are very familiar with the treatments and costs normally associated with car accidents. They will usually pay these costs without much of a fight because they know they’ll lose if they do fight. However, if an expense is outside their definition of “normal,” they will question it and probably attempt to deny the expense claim.

However, just because the insurance company doesn’t want to pay the expense or claims they don’t have to, doesn’t mean they aren’t obligated by law to pay it. Insurance companies aren’t on your side. They often deny expense claims hoping the claimant won’t fight it. This is one way they keep expenses low and profits high, and it’s the primary reason you need to have a Michigan injury attorney representing you from the beginning.

In Michigan, the injury attorneys at Sachs Waldman, P.C., can assist in getting you the benefits you’re entitled to for your no-fault auto accident. Call our Detroit personal injury lawyers’ office at 1-800-638-6722 to schedule a free consultation regarding no-fault insurance and the medical expenses you’re entitled to.