Very often I meet with clients who have been involved in a Michigan car accident or Michigan truck accident but are not getting reimbursed for the prescription drugs they are purchasing to treat the pain they are going through. Under the Michigan no-fault law, the car insurance company is required to pay the reasonable and customary cost of any prescriptions drug. This is one of the many no-fault PIP benefitsMichigan auto accident victims are entitled to.
Most people don’t realize this. Instead, they continue to pay hundreds of dollars or more out of their own pocket – sometimes skimping on medication refills or ignoring doctor’s orders to take medication in order to save money.
Under Michigan law, as long as you provide the auto insurance company with proof of the cost of the prescription drug as well as proof the prescription was purchased, or incurred, the cost can be recouped. Proof a prescription drug was purchased can be demonstrated as easily as providing a drug store receipt.
The unfortunate part of the law is the cost must be incurred first. In other words, the insurance company will not pre-pay for your prescription drugs – instead you have to purchase the prescription first and then seek reimbursement from the car insurance company. Understandably, this can be very difficult as many prescription drugs cost hundreds of dollars. Fortunately, many prescription drug service companies and drug stores will work closely with a customer and their car insurance company to streamline the process and make it more affordable.
Prescription drugs, including pain relievers are an important part of any pain management program for Michigan auto accident victims. If you or a loved one have any questions about this Michigan no-fault benefit, please contact one our Michigan auto accident attorneys at 1-800 LEE FREE.