Michigan Compiled Laws

Mich. Comp. Laws § 500.3107 (2026)

Expenses and work loss for which personal protection insurance benefits payable.

✓ current as of July 2026

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THE INSURANCE CODE OF 1956

Act 218 of 1956

500.3107 Expenses and work loss for which personal protection insurance benefits payable.

Sec. 3107.

(1) Subject to the exceptions and limitations in this chapter, and subject to chapter 31A, personal protection insurance benefits are payable for the following:

(a) Allowable expenses consisting of reasonable charges incurred for reasonably necessary products, services and accommodations for an injured person's care, recovery, or rehabilitation. Allowable expenses do not include either of the following:

(i) Charges for a hospital room in excess of a reasonable and customary charge for semiprivate accommodations, unless the injured person requires special or intensive care.

(ii) Funeral and burial expenses in excess of the amount set forth in the policy, which must not be less than $1,750.00 or more than $5,000.00.

(b) Work loss consisting of loss of income from work an injured person would have performed during the first 3 years after the date of the accident if he or she had not been injured. Work loss does not include any loss after the date on which the injured person dies. Because the benefits received from personal protection insurance for loss of income are not taxable income, the benefits payable for the loss of income must be reduced 15% unless the claimant presents to the insurer in support of his or her claim reasonable proof of a lower value of the income tax advantage in his or her case, in which case the lower value must be applied. For the period beginning October 1, 2012 through September 30, 2013, the benefits payable for work loss sustained in a single 30-day period and the income earned by an injured person for work during the same period together must not exceed $5,189.00, which maximum must be applied pro rata to any lesser period of work loss. Beginning October 1, 2013, the maximum must be adjusted annually to reflect changes in the cost of living under rules prescribed by the director, but any change in the maximum must be applied only to benefits arising out of accidents occurring after the date of change in the maximum.

(c) Expenses not exceeding $20.00 per day, reasonably incurred in obtaining ordinary and necessary services in lieu of those that, if he or she had not been injured, an injured person would have performed during the first 3 years after the date of the accident, not for income but for the benefit of himself or herself or of his or her dependent.

(2) Both of the following apply to personal protection insurance benefits payable under subsection (1):

(a) A person who is 60 years of age or older and in the event of an accidental bodily injury would not be eligible to receive work loss benefits under subsection (1)(b) may waive coverage for work loss benefits by signing a waiver on a form provided by the insurer. An insurer shall offer a reduced premium rate to a person who waives coverage under this subdivision for work loss benefits. Waiver of coverage for work loss benefits applies only to work loss benefits payable to the person or persons who have signed the waiver form.

(b) An insurer is not required to provide coverage for the medical use of marihuana or for expenses related to the medical use of marihuana.

History: Add. 1972, Act 294, Eff. Mar. 30, 1973 ;-- Am. 1988, Act 312, Eff. Mar. 30, 1989 ;-- Am. 1991, Act 191, Eff. Jan. 1, 1992 ;-- Am. 2012, Act 542, Imd. Eff. Jan. 2, 2013 ;-- Am. 2019, Act 21, Imd. Eff. June 11, 2019

Constitutionality Notes:

The legislature did not violate constitutional due process or equal protection in providing for cost-of-living increases for no-fault insurance work loss benefits under subdivision (b) of this section, but not for no-fault insurance survivors' loss benefits under MCL 500.3108. Davey v Detroit Automobile Inter-Insurance Exchange, 414 Mich 1; 322 NW2d 541 (1982).

Compiler's Notes:

Act 143 of 1993, which amended this section, was submitted to the people by referendum petition (as Proposal C) and rejected by a majority of the votes cast at the November 8, 1994, general election.

PopularName Notes:

Act 218

PopularName Notes:

Essential Insurance

PopularName Notes:

No-Fault Insurance

AdminRule Notes:

R 500.811 of the Michigan Administrative Code.

Notes of Decisions

Cited in 549 cases (137 in the last 5 years), 1976–2026 · leading case: Johnson v. Recca, 821 N.W.2d 520 (Mich. 2012).

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Johnson v. Recca, 821 N.W.2d 520 (Mich. 2012). · cites it 121× “3108(1), and “allowable expenses,” “work loss,” and replacement services are defined as follows in MCL 500.”

Douglas v. Allstate Ins. Co., 821 N.W.2d 472 (Mich. 2012). · cites it 113× “In Visconti v Detroit Automobile Inter-Insurance Exchange, the panel analogized no-fault benefits to worker’s compensation benefits and ruled that “‘[o]rdinary household tasks’” that a family member performs are not allowable expenses, but “‘[s]erving meals in bed and bathing,…”

Kevin Krohn v. Home-Owners Ins Co, 802 N.W.2d 281 (Mich. 2011). · cites it 89× “”26 This Court further observed that “[t]he plain and unambiguous language of [MCL 500.3107] makes both reasonableness and necessity explicit and necessary elements of a claimant’s recovery, and thus renders their absence a defense to the insurer’s liability.”

Admire v. Auto-Owners Ins. Co., 831 N.W.2d 849 (Mich. 2013). · cites it 116× “Home-Owners Ins Co">490 Mich 145, 163-167 ; 802 NW2d 281 (2011) (holding that an experimental procedure was not an allowable expense); United States Fidelity & Guaranty Co v Mich Catastrophic Claims Ass’n (On Rehearing), 484 Mich 1, 6 ; 795 NW2d 101 (2009) (holding that the…”

Griffith v. State Farm Mut. Auto. Ins., 697 N.W.2d 895 (Mich. 2005). · cites it 60× “§ 500.3107 for an injured person cared for at home.”

Begin v. Michigan Bell Tel. Co., 773 N.W.2d 271 (Mich. Ct. App. 2009). · cites it 44× “(Sedgwick), appeal by a reserved claim of right to appeal a July 19, 2007, consent judgment that, among other provisions, requires defendants to pay $25,059 for a 2005 Pontiac Montana van as an allowable expense under the no-fault act, MCL 500.3107(1)(a). Plaintiff's claim…”

Ross v. Auto Club Grp., 748 N.W.2d 552 (Mich. 2008). · cites it 28× “It is whether someone can recover work-loss benefits under MCL 500.3107(1)(b) if he or she is the sole employee and shareholder of a subchapter S corporation that lost more money than it paid in wages.”

In re Carroll, 832 N.W.2d 276 (Mich. Ct. App. 2013). · cites it 63× “NATURE OF THE BENEFITS “A person injured in an automobile accident is entitled to a variety of personal protection insurance benefits — often referred to as PIP benefits — from his or her insurance carrier under MCL 500.3107.” In re Carroll, 292 Mich App at 400 .”

Advocacy Org. for Patients & Providers v. Auto Club Ins., 670 N.W.2d 569 (Mich. Ct. App. 2003). · cites it 17× “3107 provides that personal protection insurance benefits are payable by a no-fault insurer for "[a]llowable expenses consisting of all reasonable charges incurred for reasonably necessary products, services and accommodations for an injured person's care, recovery, or…”

Mccormick v. Carrier, 795 N.W.2d 517 (Mich. 2010). · cites it 10× “MCL 500.3107(1)(a). There is no monetary limit on such expenses, and this entitlement can last for the person’s lifetime.”

Hardrick v. Auto Club Ins., 294 Mich. App. 651 (Mich. Ct. App. 2011). · cites it 15× “Rather, the lower court record reflects that defendant only argued before the trial court that, under MCL 500.3107, Andrew’s expenses had not been “incurred.”

United States Fid. & Guar. Co. v. Michigan Catastrophic Claims Ass'n, 484 Mich. 1 (Mich. 2009). · cites it 11× “We granted the plaintiffs’ motions for rehearing, and these cases were resubmitted for decision without further briefing or oral argument.”

Show all 549 citing cases →

— Mich. Comp. Laws § 500.3107(1) — 59 cases

Johnson v. Recca, 821 N.W.2d 520 (Mich. 2012). “3108(1), and “allowable expenses,” “work loss,” and replacement services are defined as follows in MCL 500.”

Kevin Krohn v. Home-Owners Ins Co, 802 N.W.2d 281 (Mich. 2011). “”26 This Court further observed that “[t]he plain and unambiguous language of [MCL 500.3107] makes both reasonableness and necessity explicit and necessary elements of a claimant’s recovery, and thus renders their absence a defense to the insurer’s liability.”

Douglas v. Allstate Ins. Co., 821 N.W.2d 472 (Mich. 2012). “In Visconti v Detroit Automobile Inter-Insurance Exchange, the panel analogized no-fault benefits to worker’s compensation benefits and ruled that “‘[o]rdinary household tasks’” that a family member performs are not allowable expenses, but “‘[s]erving meals in bed and bathing,…”

Auto-Owners Ins. Co. v. Compass Healthcare Plc, 928 N.W.2d 726 (Mich. Ct. App. 2018).

Admire v. Auto-Owners Ins. Co., 831 N.W.2d 849 (Mich. 2013). “Home-Owners Ins Co">490 Mich 145, 163-167 ; 802 NW2d 281 (2011) (holding that an experimental procedure was not an allowable expense); United States Fidelity & Guaranty Co v Mich Catastrophic Claims Ass’n (On Rehearing), 484 Mich 1, 6 ; 795 NW2d 101 (2009) (holding that the…”

— Mich. Comp. Laws § 500.3107(1)(a) — 218 cases

Johnson v. Recca, 821 N.W.2d 520 (Mich. 2012). “3108(1), and “allowable expenses,” “work loss,” and replacement services are defined as follows in MCL 500.”

Griffith v. State Farm Mut. Auto. Ins., 697 N.W.2d 895 (Mich. 2005). “§ 500.3107 for an injured person cared for at home.”

— Mich. Comp. Laws § 500.3107(1)(a)(c) — 1 case

Jami Lessard v. James Whittemore (Mich. Ct. App. 2019).

— Mich. Comp. Laws § 500.3107(1)(a)(i) — 3 cases

Ellen M Andary v. Usaa Cas. Ins. Co. (Mich. 2023).

Tiffany Carroll v. Progressive Michigan Ins. Co. (Mich. Ct. App. 2025).

— Mich. Comp. Laws § 500.3107(1)(a)(ii) — 1 case

Sefika Ademi v. State Farm Mut. Auto. Ins. Co. (Mich. Ct. App. 2015).

— Mich. Comp. Laws § 500.3107(1)(b) — 49 cases

Ross v. Auto Club Grp., 748 N.W.2d 552 (Mich. 2008). “It is whether someone can recover work-loss benefits under MCL 500.3107(1)(b) if he or she is the sole employee and shareholder of a subchapter S corporation that lost more money than it paid in wages.”

Johnson v. Recca, 821 N.W.2d 520 (Mich. 2012). “3108(1), and “allowable expenses,” “work loss,” and replacement services are defined as follows in MCL 500.”

Mccormick v. Carrier, 795 N.W.2d 517 (Mich. 2010). “MCL 500.3107(1)(a). There is no monetary limit on such expenses, and this entitlement can last for the person’s lifetime.”

Morales v. State Farm Mut. Auto. Ins., 761 N.W.2d 454 (Mich. Ct. App. 2008).

Cruz v. State Farm Mut. Auto. Ins., 648 N.W.2d 591 (Mich. 2002).

— Mich. Comp. Laws § 500.3107(1)(c) — 22 cases

Johnson v. Recca, 821 N.W.2d 520 (Mich. 2012). “3108(1), and “allowable expenses,” “work loss,” and replacement services are defined as follows in MCL 500.”

In re Carroll, 832 N.W.2d 276 (Mich. Ct. App. 2013). “NATURE OF THE BENEFITS “A person injured in an automobile accident is entitled to a variety of personal protection insurance benefits — often referred to as PIP benefits — from his or her insurance carrier under MCL 500.3107.” In re Carroll, 292 Mich App at 400 .”

Mccormick v. Carrier, 795 N.W.2d 517 (Mich. 2010). “MCL 500.3107(1)(a). There is no monetary limit on such expenses, and this entitlement can last for the person’s lifetime.”

Malek Hmeidan v. State Farm Mut. Auto. Ins. Co., 928 N.W.2d 258 (Mich. Ct. App. 2018).

— Mich. Comp. Laws § 500.3107(2) — 3 cases

Johnson v. Recca, 821 N.W.2d 520 (Mich. 2012). “3108(1), and “allowable expenses,” “work loss,” and replacement services are defined as follows in MCL 500.”

Ellen M Andary v. Usaa Cas. Ins. Co. (Mich. 2023).

— Mich. Comp. Laws § 500.3107(2)(a) — 1 case

Am. Physio LLC v. State Farm Mut. Auto Ins. Co. (Mich. Ct. App. 2024).

— Mich. Comp. Laws § 500.3107(2)(b) — 1 case

Michigan Ambulatory Surgical Ctr. v. Esurance Ins. Co. (Mich. Ct. App. 2026).

— Mich. Comp. Laws § 500.3107(3) — 1 case

Bronson Health Care Grp. Inc v. Esurance Prop. & Cas. Ins (Mich. Ct. App. 2023).

— Mich. Comp. Laws § 500.3107(4) — 1 case

— Mich. Comp. Laws § 500.3107(6) — 1 case

Smith v. Physicians Health Plan, Inc, 514 N.W.2d 150 (Mich. 1994).

— Mich. Comp. Laws § 500.3107(D) — 1 case

Clark v Al-Amin, 872 N.W.2d 730 (Mich. Ct. App. 2015).

— Mich. Comp. Laws § 500.3107(a) — 41 cases

Manley v. Detroit Auto. Inter-Ins. Exch., 388 N.W.2d 216 (Mich. 1986).

Griffith v. State Farm Mut. Auto. Ins., 697 N.W.2d 895 (Mich. 2005). “§ 500.3107 for an injured person cared for at home.”

Nasser v. Auto Club Ins. Ass'n, 457 N.W.2d 637 (Mich. 1990).

Johnson v. Recca, 821 N.W.2d 520 (Mich. 2012). “3108(1), and “allowable expenses,” “work loss,” and replacement services are defined as follows in MCL 500.”

Van Marter v. Am. Fid. Fire Ins., 318 N.W.2d 679 (Mich. Ct. App. 1982).

— Mich. Comp. Laws § 500.3107(a)(1) — 1 case

Claims Mgmt. Consultants of Mi v. Auto Club Ins. Assoc (Mich. Ct. App. 2025).

— Mich. Comp. Laws § 500.3107(b) — 66 cases

Johnson v. Recca, 821 N.W.2d 520 (Mich. 2012). “3108(1), and “allowable expenses,” “work loss,” and replacement services are defined as follows in MCL 500.”

Davey v. Detroit Auto. Inter-Ins. Exch., 322 N.W.2d 541 (Mich. 1982).

Bak v. Citizens Ins. Co. of Am., 503 N.W.2d 94 (Mich. Ct. App. 1993).

Miller v. State Farm Mut. Auto. Ins., 302 N.W.2d 537 (Mich. 1981).

— Mich. Comp. Laws § 500.3107(c) — 2 cases

Botsford Gen. Hosp. v. Citizens Ins., 489 N.W.2d 137 (Mich. Ct. App. 1992).

Luzviminda Lanurias v. Progressive Ins. Co. (Mich. Ct. App. 2016).

— Mich. Comp. Laws § 500.3107(c)(1) — 1 case

State Farm Mut. Auto Ins Co v. Est. of Sonya Maria Fortin (Mich. Ct. App. 2024).

— Mich. Comp. Laws § 500.3107(d) — 1 case

Cont'l Cas. Co. v. Michigan Catastrophic Claims Ass'n, 874 F. Supp. 2d 678 (E.D. Mich. 2012).

— Mich. Comp. Laws § 500.3107(d)(5) — 1 case

Bronson Health Care Grp. Inc v. Progressive Michigan Ins. Co (Mich. Ct. App. 2025).

— Mich. Comp. Laws § 500.3107(d)(7)(c) — 1 case

Bronson Health Care Grp. Inc v. Progressive Michigan Ins. Co (Mich. Ct. App. 2025).

— Mich. Comp. Laws § 500.3107(l)(a) — 56 cases

Griffith v. State Farm Mut. Auto. Ins., 697 N.W.2d 895 (Mich. 2005). “§ 500.3107 for an injured person cared for at home.”

Begin v. Michigan Bell Tel. Co., 773 N.W.2d 271 (Mich. Ct. App. 2009). “(Sedgwick), appeal by a reserved claim of right to appeal a July 19, 2007, consent judgment that, among other provisions, requires defendants to pay $25,059 for a 2005 Pontiac Montana van as an allowable expense under the no-fault act, MCL 500.3107(1)(a). Plaintiff's claim…”

Williams v. Aaa Michigan, 646 N.W.2d 476 (Mich. Ct. App. 2002).

Hardrick v. Auto Club Ins., 294 Mich. App. 651 (Mich. Ct. App. 2011). “Rather, the lower court record reflects that defendant only argued before the trial court that, under MCL 500.3107, Andrew’s expenses had not been “incurred.”

— Mich. Comp. Laws § 500.3107(l)(b) — 21 cases

Brown v. Home-Owners Ins., 828 N.W.2d 400 (Mich. Ct. App. 2012).

Mccormick v. Carrier, 795 N.W.2d 517 (Mich. 2010). “MCL 500.3107(1)(a). There is no monetary limit on such expenses, and this entitlement can last for the person’s lifetime.”

Cruz v. State Farm Mut. Auto. Ins., 648 N.W.2d 591 (Mich. 2002).

Marquis v. Hartford Accident & Indem., 513 N.W.2d 799 (Mich. 1994).

— Mich. Comp. Laws § 500.3107(l)(c) — 10 cases

Johnson v. Recca, 821 N.W.2d 520 (Mich. 2012). “3108(1), and “allowable expenses,” “work loss,” and replacement services are defined as follows in MCL 500.”

Mccormick v. Carrier, 795 N.W.2d 517 (Mich. 2010). “MCL 500.3107(1)(a). There is no monetary limit on such expenses, and this entitlement can last for the person’s lifetime.”

Taylor v. Kent Radiology, PC, 780 N.W.2d 900 (Mich. Ct. App. 2009).

In re Carroll, 807 N.W.2d 70 (Mich. Ct. App. 2011).

— Mich. Comp. Laws § 500.3107(l)(e) — 1 case

Smith v. State Farm Mut. Auto. Ins., 30 F. Supp. 3d 657 (E.D. Mich. 2014).

— Mich. Comp. Laws § 500.3107(lXa) — 1 case

Williams v. Aaa Michigan, 646 N.W.2d 476 (Mich. Ct. App. 2002).

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