Opinion ID: 848753
Heading Depth: 4
Heading Rank: 1

Heading: Allowable expenses consisting of all reasonable charges incurred for reasonably necessary products, services and accommodations for an injured person's care, recovery, or rehabilitation. [Emphasis added.]

Text: MCL 500.3110(4) provides that [p]ersonal protection insurance benefits payable for accidental bodily injury accrue not when the injury occurs but as the allowable expense, work loss or survivors' loss is incurred  (emphasis added). To incur means [t]o become liable or subject to, [especially] because of one's own actions. [4] A trial court may enter a declaratory judgment determining that an expense is both necessary and allowable and the amount that will be allowed[, but s]uch a declaration does not oblige a no-fault insurer to pay for an expense until it is actually incurred. Manley, supra at 157, 388 N.W.2d 216. At the time of the judgment, plaintiff had not yet taken action to become liable for the costs of the proposed home modifications. Because the expenses in question were not yet incurred, the Court of Appeals erred in ordering defendant to pay the total amount to the trial court. See Nasser v. Auto Club Ins. Ass'n, 435 Mich. 33, 50, 457 N.W.2d 637 (1990).