Under the Michigan no-fault law, a person injured in a
Michigan car accident who is unable to perform the household services they originally were able
to do prior to the accident may be entitled to replacement services benefits
from their insurance company, regardless of who was at fault for the accident.
These benefits are not only available to a driver or passenger injured
in a Michigan auto accident but also those injured in any type of motor
vehicle accident, including:
What Are Replacement Services Benefits?
Replacement Services Benefits, also known as household services benefits,
is payment of benefits from the auto insurance company for household chores,
assistance, and child care performed by someone other than yourself (due
to the fact that you are unable to perform them as a result of your injuries
in the Michigan accident).
These services and assistance can be performed by a hired individual or
a family member. This is very important to know as many insurance companies will deny payment
if services are performed by a family member. However, victims should
know that by law a family member is entitled to perform these household
services AND receive payment for their services, just the same as a hired
Replacement services can include a wide range of activities, including:
- Investment income
- Babysitting and child care
- Cooking and meal preparation
- Lawn and garden maintenance
- Shoveling snow
- Car maintenance
- Driving family members to school and appointments
How Long Can You Collect Benefits?
Under Michigan no-fault law, a person can collect payment for replacement
services/household services up to three years from the date of the auto
accident. Your claim for benefits should be submitted to your assigned
insurance adjuster every thirty days.
How Much Can You Receive?
You can receive up to $20.00 a day for replacement services/household services.
If you submit your claim every 30 days, that equates to $600 a month,
until you are able to recover and perform the household services yourself,
or until it reaches up to three years from the date of the accident, whichever
How To Submit A Claim
To submit a claim for Michigan replacement services, you first must file
a no-fault insurance application for benefits with the applicable insurance
company. Some insurance companies are different so this may not be applicable;
however, the majority of insurance companies will have an application.
This application for no-fault insurance benefits must be filed within one
year from the date of the accident. If you do not file within that one
year, you will not be able to collect household service benefits or any
other type of no-fault insurance benefits.
After you submit your claim, your insurance company should then assign
you an insurance adjuster. You then submit a Michigan household chores
and replacement services benefit claim to your assigned insurance adjuster.
It is in your best interest to not submit this form to the insurance company
until an experienced
injury attorney has reviewed it.
The following items are required in order to successfully submit your claim:
- A prescription from your doctor for these services
- A list of the services performed
- The name of the person performing the household chores
This claim must also be filed within one year from the date of the auto
accident otherwise you will lose your right to collect any type of compensation.
Depending on certain factors, you may be able to submit the application
for no-fault benefits and the claim for household services together.
What Can You Do If Your Claim Is Denied?
It is not uncommon for victims who submit their claim for Michigan replacement
services benefits after an auto accident to get denied by their insurance
company, or for the insurance company to delay payment or pay for a few
months and then cut off payment. If your insurance company refuses to
pay your household services, denies payment, delays payment, cuts-off
payment, or does not pay the proper amount (many will claim because it
is a family member performing the services they do not get payment, which is
UNTRUE), your only recourse is to file a lawsuit against your auto insurance
company. This is called a
When this happens, is in your best interest to hire a Michigan no-fault
insurance lawyer to represent you. This is because the insurance companies
are notorious for playing tricky tactics, and it is important that whoever
is dealing with the insurance company and handling your claim has experience
negotiating so that you receive full reimbursement. Having an attorney
who has no experience or knowledge handling this type of claim can be
detrimental to your case and may result in you not receiving these benefits.
Get Help From An Experienced Michigan Lawyer!
At the law firm of Goodman Acker, P.C. our Michigan no-fault insurance
lawyers have been handling replacement services and household services
benefit claims for victims of auto injury accidents for over 30 years.
We understand how to navigate through the insurance claims process and
how to negotiate with the insurance adjusters so that your case ends with
the best result and full payment of services that you deserve and are
There are strict time limitations for filing a claim against the insurance
company so it is important you do not wait to get the help you need. Whether
you need advice on how to submit a claim or just have questions regarding
your replacement services benefits, need help submitting your claim, or
your household services have been denied and you need to file a lawsuit
against your insurance company, call our top rated no-fault insurance
lawyers today at
We offer a free consultation where we will be able to answer all your questions
and concerns and provide the help and advice you need. Best of all, to
have a conversation with one of our attorneys during a
free consultation, there are
no obligations whatsoever. We also represent you, should you need our representation, on a
trusted no-win, no-fee basis, which means there are no fees or costs to you until we win or settle
your claim. For more information on Michigan replacement services benefit
claims or to find out how our no-fault insurance attorneys can help you, call now!