What are the Michigan No Fault Personal Injury Protection Benefits?

In Michigan, you may be entitled to certain benefits if you are involved in a car accident.  These are called No-Fault Personal Injury Protection benefits or PIP.  Others call them first-party no-fault claims.  All insurance policies must include these benefits by law.  So what is included in the Michigan PIP benefits?

Allowable Expenses

Allowable expenses in Michigan include all reasonable and necessary medical expenses.  This could mean many different things like:

  • Medical Expenses
  • Attendant Care/Nursing Services
  • Wheelchair Ramps and Lifts
  • Medical Mileage
  • Case Manager Expenses
  • Vocational Rehab

Work Loss Benefits

The work loss benefit in Michigan is income that an injured person would receive if they could no longer work as a result of being hurt in a car accident.  This benefits can last up to three years.  The maximum you can receive is capped at 85% of what you earned before getting hurt and is limited to a number that is adjusted yearly.

Household Replacement Services

In Michigan, this PIP benefit is used to reimburse you for having to pay others to help you with household chores such as cooking, cleaning, lawn maintenance, child care, among other things.  Family members can perform these services.  Michigan limits the benefit to $20 per day.

Survivors’ Loss Benefit

This benefit applies if the person who dies as a result of a car accident in Michigan has dependents.  This benefit has similar limits as with the wage loss benefit.

Here is the link to the PIP Benefits Law: click here.

Car accident victims in Michigan have some excellent PIP benefits.  If you are injured in a car accident or collision in Ann Arbor, Saline, Ypsilanti, Dexter, Chelsea, Milan, Manchester, Howell, Fowlerville, Brighton, Northville, Plymouth, Belleville, or in the surrounding Washtenaw, Wayne, Jackson, Livingston, Oakland, Lenawee counties, call me for a free consultation.