Under current Michigan law, MCLA §500.3107, the benefits available under your No-Fault Auto Insurance policy are standard:
- Medical Bills
- Lost wages & Income
- In-Home Care (either professional or provided by a friend/family)
- Partial Reimbursement for Household Expenses
- Survivors’ Loss Benefits
Importantly, the word “Medical” does not appear in the No-Fault statute, and as a result, benefits are much broader than medical and doctor bills. It could include payment for the purchase of a modified van, barrier-free housing & modifications, and even in-home care provided by family.
Under current Michigan law, the “medical benefits” category is not limited either by time, or dollar amount. This is often a lifesaver for families devastated when the bread-winner, or main caregiver is catastrophically injured in an auto accident.
While No-Fault “medical benefits” are not limited as to time or dollar amount, the coverage for No-Fault wage loss, “household service” (sometimes called “replacement service” benefits, and Survivors’ Loss benefits are limited in both ways. Importantly, these three categories of benefits are payable only for three years after an auto accident.
Wage Loss Benefits
Typically, No-Fault wage loss is paid at the rate of 85% of pre-accident gross wage, Michigan’s No-Fault injury to a breadwinner. Wage loss is also available for business owners, commissioned salespeople, whose wage loss determinations are often more difficult because there is often no regular or consistent “paycheck”. You may even be eligible for wage loss while unemployed, as long as we can prove that you were actively seeking employment at the time of the accident.
Household Service Benefits
Household service benefits, payable only for three years, are payable, at least for now, at the maximum rate of $20.00/day. Over three years, this works out to just short of $22,000.00.
Survivors’ Loss Benefits
Survivors’ loss benefits, also payable for three years, are a hybrid of No-Fault wage loss and household service benefits. Paid to the survivors of someone killed in an auto accident, these benefits consist typically of monthly wages (or even government assistance received by the decedent), plus a household service component of $20.00/day.