Morgan v. Citizens Insurance Co. of America

The principal question presented is whether plaintiff William Morgan’s no-fault automobile insurer, defendant Citizens Insurance Company of America, is relieved of responsibility under § 3109(1)1 of the no-fault automobile liability act for the payment of medical expenses incurred by Morgan in a nonmilitary hospital if Morgan could have obtained the medical service without charge at a military hospital.

The no-fault act preserves to the injured person a choice of medical service providers. Section 3109(1) does not deprive an injured person, who may be eligible to obtain service in kind in a…