Under the Michigan no-fault law, a person injured in a Michigan car accident
who is unable to get around their house freely as a result of their injuries
may be entitled to home modification benefits from their insurance company,
regardless of who was at fault for the accident.
At the law firm of Goodman Acker, P.C. our
auto accident attorneys help victims obtain these benefits on a daily basis. This includes not
only those injured as a driver and/or passenger, but any person injured
in any type of motor vehicle accident in Michigan, including motorcycle
accidents, truck accidents, pedestrian accidents, and bicycle accidents.
What Are Home Modification Benefits?
Home modification benefits are an allowable medical expense (meaning the
auto insurance company is responsible for payment) under the Michigan
no-fault law. Home modification benefits are changes to a victim’s
home or living space that helps accommodate the victim’s accident-related
injuries. Injuries do not just include physical, but any mental or functional
limitations that may make it difficult for a person to live in their current
Examples of home modifications a person may require include a stair lift
(pictured above), ramp to enter their home, wider doorways, or renovated
bathrooms. In some cases, depending on the seriousness of the injuries,
a person’s home may require full renovation or construction of a
completely new, modified home.
Is There A Limit To How Much Payment I Can Receive For Home Modifications Benefits?
There is no limit to how much money an auto accident victim is entitled
to receive from their no-fault insurance company for their home modification
benefits. Payment is determined on what modifications are required and
how much they cost. Contractors or architects who are knowledgeable in
these types of cases are very useful in determining what can be done to
an existing home or apartment to better accommodate you. In addition,
many times the contractor or architect will work with your medical provider
to design the most appropriate changes necessary.
When Do I Submit My Claim For Home Modifications?
If you or your loved one requires modifications to your home after a Michigan
car accident, you need to submit a claim to your insurance company requesting
payment. This claim should be submitted as soon as it is determined necessary
that modifications will be required.
What Needs to Be Included In My Michigan Home Modification Benefit Claim?
In order to receive payment for these benefits, an Occupational Therapy
(OT) evaluation and a prescription form your physician indicating the
type of modifications that you need is typically required. In addition,
a quote from a contractor of the necessary remodeling work may also be
required. Often times, the insurance adjuster may require you to submit
two to three quotes from different contractors. You will also have to
fill out an application for Michigan no-fault benefits, if you have not already.
You must submit all of these documents to your insurance company.
If you are having difficulty navigating through the system or are unsure
of what to submit call our office at
(248) 793-2010. Our Michigan no-fault insurance lawyers are happy to answer any of your
questions and walk you through the process. Every day we help injured
accident victims submit their claim to the insurance companies. We can
do the same for you. Call now, there is no obligation or fee to get your
What To Do If My Michigan Home Modifications Benefit Claim is Denied?
It is not uncommon for auto accident victims who submit their claim for
Michigan home modifications benefits to get denied by their insurance
company, or for the insurance company to delay payment, or only agree
to pay partial payment for the modifications. If your insurance company
refuses to pay, delays payment, or refuses to pay full amount, your only
recourse is to file a lawsuit against your auto insurance company. This
is called a no-fault lawsuit.
When this happens, it is in your best interest to hire an experienced Michigan
no-fault insurance lawyer. Insurance companies are notorious for playing
tricky tactics and it is important that the attorney you hire to represent
you knows how to properly handle your claim and has significant experience
negotiating with the insurance companies so that you receive full payment.
Having an attorney who has no experience or knowledge of Michigan no-fault
law can be very detrimental to your case and may result in you not receiving
the maximum payment you deserve, or in fact not receiving these benefits at all.
Get Help From Our Michigan No-Fault Insurance Lawyers Today
At the law firm of Goodman Acker, P.C. our Michigan no-fault insurance
lawyers have been handling household modification 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 modifications and accommodations that you deserve and are entitled to.
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 household service benefits, 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
(248) 793-2010. We offer a
free, no obligation consultation where we will be able to answer all your questions and concerns, and provide
the help and advice you need.
Best of all, should you need our representation, our attorneys offer a
trusted no-win no-fee promise, which means there are
no fees or costs to you until we win or settle your claim. For more information on Michigan
household modification benefit claims or to find out how our no-fault
insurance attorneys can help you, call now!