| Auto Accident Benefits |
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The benefits include 85 percent of your gross wages for the first three years after the accident, $20 a day for replacement
services, home assistant care if necessary, payment of medical bills and prescription, etc.
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Replacement services involves reimbursement for money you paid for services, such as household chores, that you could have
done by yourself if not for the accident. If a doctor affirms you were unable to perform these household services, than the
insurance carrier may have to reimburse you up to $20 per day for up to three years.
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A Third-Party claim includes payments ordered by the courts to be paid for death, disfigurement, pain and suffering, or wage
loss. The Third-Party judgment is obtained against the driver who caused the accident. To collect non-economic damages in
Michigan against an at-fault driver, the victim must have died or suffered serious disfigurement or scarring or a serious
impairment of a major bodily function. A Third-Party lawsuit must be filed within three years of the accident or the victim
forfeits their right to seek damages.
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In Michigan, the First-Party No-Fault benefits that your insurance company may be liable for include: Wage loss; attendant care;
medical bills for life; replacement services; mileage reimbursement; and Third-Party basics.
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As indicated, a victim may obtain 85 percent of their pay for up to three years if a doctor has determined the injuries obtained
in the accident prevents the victim from working. Money obtained for wage loss reimbursement is tax-free. The law, however,
imposes a maximum on how much an insurance company must pay to a victim in monthly wage loss payments.
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