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No Fault Benefits


Medical Benefits

A person injured in an automobile accident in Michigan is entitled to  medical treatment regardless of whether they were at fault in the  accident which caused their injuries. In the simplest example, If two  cars collide, each driver would look to their own no-fault insurer for  payment of their economic losses.

High-impact  collisions cause daily fatalities and catastrophic injuries to the  unfortunate driver or passengers involved. The greatest benefit of  Michigan's No-Fault Law is that such catastrophically injured persons  may continue to get the best medical care available for their entire  lives. If this were not the case, the catastrophically injured person  would have to spend themselves and their family into poverty until they  qualified for state aid and a lower level of care. Michiganders should  be rightfully proud of their no-fault law and resist the frequent  attempts from insurers to cap medical benefits. A person who fully  understands the consequences of capping medical coverage is Oakland  County Executive L. Brooks Patterson. He survived a horrific accident in 2012 that left him permanently injured

Wage Loss Benefits

Often,  a person injured in an automobile accident is unable to work for a  period of time, while their injury heals. Some people may require  several days to recover while others may need to be off work for weeks  or months. Individuals with the most serious injuries may never be able  to go back to work. 

Under Michigan's no-fault law,  a person disabled from work by their doctor may collect wage loss  benefits for up to three years from the date of the collision

Household Services

Let's  say automobile passenger, Tonya suffers a fractured leg in an  automobile collision and is in a cast up to her thigh. While  convalescing, she cannot walk around and do the vacuuming, or laundry,  or cooking. She cannot do any yard work or take out the garbage. Can she  get compensation for having someone take care of her house? The answer  is yes. If she receives assistance with these household chores she is  entitled to receive reimbursement of up to $20 per day to compensate for  the additional help.

Household services, like wage loss, are payable for three years, only. 

Attendant Care

In  addition to house care, some injured persons require help with their  grooming, washing, and dressing. In our previous example, Tonya is  recovering from a broken leg and cannot do housework. She also needs  help with her shower and dressing. Under Michigan's No-Fault law she can  receive reimbursement for caregiver she hires to help her. This is  called attendant care.

Unlike household services  which are paid at a fixed rate of $20 per day, attendant care is paid by  the hour. It may be reasonable for an insurer to pay attendant care  benefits to an unskilled caregiver at a rate of $15 per hour.  

Additional No-Fault Benefits

 In addition to the benefits already described, a person injured in a car  crash is allowed reimbursement for their out-of-pocket expenses, such a  prescription co-pays, or payment for medical appliances. Mileage for  travel related to their medical treatment is also compensable.