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Replacement Service Benefits: Michigan No-Fault Laws

Replacement service benefits under the Michigan No-Fault law provide payment up to $20.00 per day for household assistance to a Michigan car accident injury victim.  It covers things like doing laundry, cooking, housecleaning, and even mowing the lawn if the injured person is unable to do it due to injuries sustained in a Michigan car accident.  The claim is made against your own no-fault insurance carrier and must be supported by a note from your physician indicating that you are unable to do the chores due to the accident.

The benefits are payable for up to three years after the date of the accident.  It is necessary to furnish forms supporting that the services were performed, in addition to your doctors note indicating that you need these services.  The forms to submit to the insurance company can be downloaded for free from the Libary section of our law firm website at www.BuckfireLaw.com

Replacement Services-Michigan No-Fault Benefits

Replacement service benefits are a great benefit for car accident victims under the Michigan No-Fault law.  A person injured in a Michigan car accident often sustains serious injuries as a result of an which renders him or her unable to do things that he or she was able to do prior to being injured.  The injured person may even have to hire professional companies to:

 

  • Do laundry
  • Cook and prepare meals
  • Clean the house
  • Cut the lawn
  • Shovel the snow
  • Take out the garbage
  • Other household chores 

 

More often, the injured person relies on family and friends to do these things.  These types of services are commonly referred to as “Replacement Service Expenses.” 

         

Section 3107(1)(c) of the Michigan No-Fault Act is the specific statutory section that entitles auto accident victims to be compensated for Replacement Service Expenses.”   Under this section, an injured person may be reimbursed for services provided by others for his or her benefit. These services are capped at $20.00 per day and are limited to three (3) years from the date of the accident. Replacement Service Expenses commonly include, things such as housekeeping, laundry, home and yard maintenance, etc. 

         

Replacement Services can be provided by family and friends.  It is important to document the services being provided so that a claim can be submitted to the No-Fault insurer. Much like an Attendant Care [insert hyperlink to my attendant care article] claim, a written claim should be submitted to the insurer with the (1) the name of the injured claimant; (2) the name and address of the service provider; (3) the days and number of hours the services were provided; (4) the specific services provided; and (5) a note from a physician stating that the services are necessary, including the number of days/hours needed (See e.g. Attending Physicians Report).

         

          If you, or someone you know, requires Replacement Services because of an auto accident related injury,  and are not being reimbursed, feel free to contact our office to discuss your rights.