Crash lawsuits could include future care costs despite possible insurance

Courts could not exclude future care costs in car-crash injury lawsuits solely because auto insurance might pay them later. Costs would count as available insurance benefits for this evidence rule only once care was provided, billed or billable under policy and fee rules, and paid or payable. People could not collect twice for the same expense. An insurer could reduce later benefits only by proving the person actually recovered money in court for that same care. The rules would start immediately upon enactment and cover pending and later-filed lawsuits, except cases with a final judgment entered before that date.