Michigan No Fault Insurance FAQ
Personal Injury Protection Benefits – What are PIP Benefits?
If you have been injured in an automobile accident, you are entitled to Michigan No-Fault Benefits called Personal Injury Protection Benefits, or PIP benefits. PIP benefits include Wage Loss benefits; Medical benefits; and replacement service benefits.
What is a wage loss benefit?
Wage loss is the loss of money you would have earned from working, but were unable to earn because of the injuries you sustained in your accident. Wage loss is to be paid at 85% of your gross wage, up to a maximum monthly amount set by law. Wage loss benefits will be paid only for the first three years following your accident.
What are medical benefits?
Medical benefits include charges from doctors, hospitals, nurses or other care providers, including family members who provide attendant care to you, for injuries sustained in your automobile, truck or motorcycle accident, that are reasonable, necessary and related to your care, or your rehabilitation, or your recovery. You must submit reasonable proof to your insurance company that you have incurred these expenses before they are obligated to pay them. Medical benefits also include paying for transportation gas mileage, parking, ambulances or other reasonably necessary transportation for your care, or your recovery or your rehabilitation. Medical benefits also include devices and prescriptions, whether drugs, crutches, braces, modifications to vehicles or homes, that are reasonable, necessary and related to your care or your rehabilitation or your recovery from injuries sustained in the accident. These benefits are unlimited in amount and duration. You should not have to pay any accident related expense out of your pocket for the rest of your life.
What are replacement service benefits?
Replacement service benefits are benefits for those things you have to pay others to do for you in and around your household after an accident. These are chores or tasks that you used to do for yourself that you are no longer able to perform. For example, if you used to cut the grass or shovel snow at your home before the accident, and because of your injuries, you cannot do those activities, your insurance company would reimburse you up to $20.00 per day for up to three years from the date of your accident for the those benefits. You must submit reasonable proof that you incurred the expense for the insurance company to reimburse you.
What are Attendant Care Benefits?
Attendant Care benefits are benefits to reimburse nurses, aides, or family members and friends who provide medical care to you following injuries sustained in an automobile, truck or motorcycle accident. If your family or friends were necessary to watch you, provide medicines to you, assist you to the bathroom, dress and or feed you, change wound dressings or monitor you for your own safety or the safety of others, the insurance company owes attendant care benefits to you. The attendant care benefits are paid based on the reasonable market value of the service being provided for you. These benefits are unlimited in cost and duration.