Duncan v. Liberty Mutual Insurance Company, arises following a motor vehicle accident the late David Duncan was involved in on January 11, 2013. At the relevant time, Duncan was a Medicare beneficiary, and Liberty Mutual was Duncan’s automobile no-fault insurer. Following the accident, Duncan brought a claim against Liberty Mutual for payment of his medical bills. When Duncan died in 2014, his estate continued to pursue the claim and, eventually, filed an action in Michiga