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PROFIT v. CITIZENS INS. CO.

Docket No. 90904, (Calendar No. 1).

444 Mich. 281 (1993)

506 N.W.2d 514

PROFIT v. CITIZENS INSURANCE COMPANY OF AMERICA

Supreme Court of Michigan.

Decided September 29, 1993.

Attorney(s) appearing for the Case

Miller & Lemberg, P.C. (by Wayne J. Miller), for the plaintiff.

Still, Nemier, Tolari & Landry, P.C. (by Rik Mazzeo and Michelle E. Mathieu), for the defendants.

Amici Curiae:

Gross & Nemeth (by James G. Gross and Mary T. Nemeth) for Auto Club Insurance Association and Michigan Association of Insurance Companies.

Dykema, Gossett (by Donald S. Young, Kathleen McCree Lewis, and Ronald J. Torbert) for Michigan Catastrophic Claims Association.

LEVIN, J.

The no-fault automobile liability act provides, in § 3109(1) of the Insurance Code, that benefits provided by a state or the federal government "shall be subtracted" from no-fault benefits payable for medical expense and work loss.1 The act also provides, in § 3109a, that a no-fault insurer shall offer, at appropriately reduced premium rates, deductibles and exclusions related to

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