MI HB5106

Amends personal protection insurance coverage under Michigan's Insurance Code to modify language regarding allowable expenses, work loss benefits, and related provisions.

Establishes that a claim for everyday ordinary expenses cannot be denied solely because the injured person would have incurred similar costs without the injury, if the injury has affected or altered the person's need for those products, services, or accommodations.

Requires insurers to issue written prior approval within 30 days when an injured person submits 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 creating a presumption of unreasonableness.

Protects claimants' rights to personal protection insurance benefits even if the insurance policy is voided due to fraudulent procurement by others or if the claimant's own submission contains fraud—fraud does not void the policy or disqualify future benefits.

Makes technical changes to statutory language, including replacing "shall" with "must" or "is" and "in lieu of" with "instead of" for clarity.