MI HB6280

Modifies payment timelines for personal protection insurance (PIP) benefits, requiring insurers to pay within 30 days of receiving reasonable proof, with an additional 60-day window if medical bills are submitted more than 90 days after services are provided.

Defines "reasonable proof of loss" to not require exact proof or insurer-specified forms; allows information in any format showing fact and amount of loss, and requires insurers to request missing charge description masters or average amounts within 15 days or lose the delay.

Increases penalties for overdue PIP payments to include 12% annual simple interest plus an additional amount equal to 5 times any amount supported by reasonable proof.

Establishes new allowable expenses under PIP including guardianship/conservatorship services, vehicle and home modifications, computer equipment, generators, non-emergency medical transportation, over-the-counter drugs and supplies, and case management services not covered by Medicare.

Adds provision allowing providers to appeal utilization review determinations to the department without exhausting administrative remedies before filing court action.