Michigan no-fault insurance is designed to make sure anyone involved in auto accidents in Michigan has their medical needs paid for and any income lost to injuries reimbursed. It doesn’t matter who is at fault in the accident or how many vehicles were involved. If you’ve been involved in an auto accident, it’s important to know what benefits you’re entitled to.
As Detroit personal injury attorneys, we frequently see people miss out on important benefits — benefits that could have helped them avoid difficult financial situations — just because they didn’t know to ask for them. Unfortunately, it’s to the insurance company’s advantage not to help accident victims figure out which expenses are reimbursable. In fact, it’s not uncommon for them to deny expense claims hoping the claimant won’t challenge the denial and thereby keep their costs down.
Michigan no-Fault Insurance: Reimbursable Expenses
Anyone involved in auto accidents in Michigan has the following benefits available to them if necessary. If you are having trouble obtaining any of these benefits, contact one of our Detroit personal injury attorneys immediately.
Medical expenses – all costs related to your care, recovery and rehabilitation.
Mileage and travel expense to receive medical care.
Modifications to your home to accommodate an injury or disability.
Modifications to your car to accommodate an injury or disability.
Replacement services – up to $20 per day for up to three years for services to cover household chores you are no longer able to do because of your injury.
Attendant care – In-home nursing care or medical services related to your injuries.
Lost wages – reimbursement of up to 85% (or a maximum of approximately $5,000 per month) of three years of wages lost while recovering and rehabilitating from your injuries.
Michigan no-fault insurance law requires no-fault insurance carriers to reimburse all reasonable and customary charges and expenses for your care, recovery and rehabilitation of injuries due to accidents in Michigan as long as they are reasonably necessary. If your insurance company is telling you that a particular expense is not reasonably necessary or that it is more than a reasonable or customary amount, contact our Detroit personal injury attorneys to find out what can be done about that expense. Very often we are able to find a way to get those expenses covered.
Some reimbursable expenses may be subject to coordination with or offsets from benefits from private disability insurance, Social Security Disability, Workers Compensation or other government or private benefits programs.
