Michigan is a “No-Fault” state, meaning if you are in an auto accident no-fault insurance covers your claim regardless of who caused the accident. However, Michigan no-fault laws are very complex. Coverage minimums, filing deadlines and more, make choosing a law firm specialized in no-fault law imperative to ensuring your rights are protected after an accident.
There are four categories of No-Fault Personal Protection Insurance (PIP) benefits under the Michigan No-Fault Act. Entitlement to these benefits is dependent upon the facts of your case and the losses suffered as a result of the accident. The four PIP benefits include:
Allowable Expense Benefits
Section 3107(1)(a) of the Michigan No-Fault Act requires insurance companies to pay “allowable expenses,” which are defined as “all reasonable charges incurred for reasonably necessary products, services and accommodations for an injured person’s care, recovery or rehabilitation.” These benefits include medical expenses, in-home attendant are or nursing services, rehabilitation and more.
Work Loss Benefits
Section 3107(1)(b) provides that when an injured person cannot work as a result of an auto accident, work loss benefits are payable for up to three years for “loss of income from work an injured person would have performed… if he or she had not been injured.” These work loss benefits are payable at the rate of 85% of gross pay, including overtime.
Replacement Services Expenses
Section 3107(1)(c) of the Michigan no-fault law provides that an injured person may receive reimbursement in an amount not to exceed $20 per day for expenses incurred by having others perform reasonably necessary services that the injured person would have performed for the benefit of themselves or their dependents. This may include tasks such as housekeeping, yard, work, etc.
Survivor’s Loss Benefits
When a motor vehicle accident results in death, dependents of the decedent are entitled to recover survivor’s loss benefits under Section 3108 of the statute, as well as funeral and burial expenses under Section 3107(1)(a).
Padilla Law Group has decades of experience in the field of personal injury law and, more specifically, the complicated area of Michigan No-Fault law. If you have been injured in a car, truck or motorcycle accident, don’t navigate the complex no-fault system alone. Contact Us today for a free consultation, our experienced attorneys will make sure you receive the benefits you deserve.