MI HB5105

Replaces mandatory language ("shall") with permissive language ("must" or "does") throughout the personal protection insurance benefits section of the Insurance Code.

Insurers are not required to provide coverage for medical use of marijuana or expenses related to marijuana use.

Establishes that a causal connection between accidental bodily injury and a claim exists if the injury is one of the causes of the injured person's need for the claimed expense and the connection is not de minimis.

Prohibits insurers from denying claims for everyday ordinary expenses if the injured person's need for those products, services, or accommodations has been affected or altered by the accidental bodily injury.

Requires insurers to issue written prior approval within 30 days of receiving reasonable proof that a product, service, or accommodation is reasonably necessary for care, recovery, or rehabilitation; failure to do so is deemed a claim denial and creates a presumption of unreasonableness.