No Fault Benefits in Michigan


If you are in an automobile accident and file a claim with your own insurance company under the Michigan no fault insurance act, often referred to as Michigan no fault benefits, you can expect to receive certain benefits. First, you can receive “allowable expenses” that pays for any medical bills not covered by your medical insurance. This can include co-pays and deductibles. It applies to any treatment or care that you need as a result of your injuries for the rest of your life. Michigan’s unlimited allowable expenses are the most generous of any state insurance law in the United States. You can download the form here.

Secondly, you can receive 85 percent of the cost of your lost wages for up to three years. Your insurance company will pay most of your salary for any time you can’t work as a result of your injuries up to three years or the statutory maximum payout. This also applies if you are unemployed but actively seeking a new job.

Finally, you are entitled to up to $20 per day to pay for replacement services. These costs cover household work that you would have done prior to your accident, but now because of your injuries you have to hire someone to help you. It could include lawn maintenance, maid services, handyman services, or any other household assistance your doctor determines are medically required.

Michigan drivers pay for top-quality no fault insurance. If you or someone you know is injured you should take full advantage of the benefits to which you are entitled. The attorneys at Christensen Law have been representing motor vehicle accident victims for over 20 years. They can help you identify and receive the benefits you deserve.