We have discussed a lot of information that could help individuals make right choices when it comes to driving in Michigan. This article aims to revisit some facts about what is covered in Michigan’s No-Fault Law and why it matters.
Coverage
Wage Loss
Under MCL 500.3107(1)(b), automobile insurance carriers can reimburse an injured person who has lost time from employment up to 85% of their gross income and does not exceed the statutory maximum. Each year, the Department of Insurance and Financial Services adjusts the maximum No-Fault wage loss benefit. As of October 1, 2019, through September 30, 2020, the maximum wage loss benefits “shall not exceed $5,718.00 per month” for a period of three years following the accident.
Replacement Services
Under MCL 500.3107(1)(c), automobile insurance carriers can reimburse an injured claimant for assistance with the performance of the household chores. Services compensable have principally included common chores such as cleaning, baby-sitting, lawn care, snow shoveling, taking out the garbage, cooking, dishwashing, dusting, and grocery shopping. For the services to be compensable, an agreement must be made between the injured party and the service provider with an expectation or promise for payment. Absent the agreement, Courts have ruled the services were performed without the expectation of payment; thus, performed out of the kindness of the heart.
Medical Benefits (Allowable Expenses)
Under MCL 500.3107(1)(a), automobile insurance carriers must provide reimbursement for medical benefits in the event of personal injury or wrongful death from a motor vehicle accident. The expense must be incurred, which means an insurance carrier is not responsible for the pre-payment of the medical service or benefit. The amount of the service must be reasonable in amount. However, the general purpose of enacting the No-Fault Act was for the prompt payment of all of the claimant’s medical expenses regardless of fault.
Michigan’s No-Fault Act provides for a broad range of medical products, services, or accommodations for reimbursement. Typical benefits include medical transportation, doctor visits, diagnostic studies like MRI, or X-ray studies, surgeries, physical therapy, injection therapy, medical mileage reimbursement, prescription reimbursement, home modification, attendant care services, and medical equipment.
Contact Your Lawyer Today
If you have an insurance claim that you need assistance with or you suffered an injury, you should contact us today. A lawyer can help you get started with your claim. A lawyer at Haque Legal will see to it that your needs are met from the beginning to the end of the proceedings. You are always in good hands with Haque Legal and what it has to offer.
Disclaimer
The article that you have read is based on general applications of the law. It is not legal advice and it is not to be construed as any legal consultation with the firm. No client-attorney relationship is created when you read the articles we have provided.
Let us help you out
If you are having trouble with filing an insurance claim, call us immediately. If you have any problem with the law or are seeking justice and truth, our numbers are standing by to take your call.
The post Reiterating What is Covered in Michigan’s No-Fault Law appeared first on Haque Legal.