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19 Nov 2008

Household Replacement Services Benefits

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Household Replacement Services benefits are payments that are available to some injured motorcyclists in Michigan through their No Fault insurance policy.  No Fault insurance benefits are available when a biker has been injured in an accident involving a car, truck, SUV, or other motor vehicle.

Household replacement service benefits pay for services or chores around the home that the accident victim used to do himself or herself but can no longer do because of the accident. Examples of such services can include:

  • Do laundry
  • Cook and prepare meals
  • Clean the house
  • Cut the lawn
  • Shovel the snow
  • Take out the garbage
  • Other household chores

Although the insurance company will pay for the accident victim to hire an outside company to perform these services, the injured person usually relies on family and friends to do these things.  The insurance company will then be required to pay the family member or friend who actually performs these chores.  These types of services are commonly referred to as “Replacement Service Expenses.”

Section 3107(1)(c) of the Michigan No-Fault Act is the specific statutory section that entitles auto accident victims to be compensated for Replacement Service Expenses.”   Under this section, an injured person may be reimbursed for services provided by others for his or her benefit. These services are capped at $20.00 per day and are limited to three (3) years from the date of the accident. Although $20.00 per day may not seem like a lot, it is actually over $7,000.00 per year and can last for up to 3 years.  That means an accident victim can collect over $21,000.00 in household replacement services.

Since replacement services can be provided by family and friends, it is important to document the services being provided so that a claim can be submitted to the No-Fault insurer. Much like an Attendant Care claim, a written claim should be submitted to the insurer with the (1) the name of the injured claimant; (2) the name and address of the service provider; (3) the days and number of hours the services were provided; (4) the specific services provided; and (5) a note from a physician stating that the services are necessary, including the number of days/hours needed

An experienced motorcycle accident lawyer can help you review your claim forms and ensure you get the full amount of household replacement service benefits you deserve.

If you would like more information about your rights after a Michigan motorcycle accident, you can order our FREE book, “The Ultimate Michigan Motorcycle Accident Handbook” by calling our firm.  We will send it along with other important information.

If you would like to speak with one of our Michigan Motorcycle accident attorneys about your case, feel free to call us anytime at (800) 606-1717 or simply submit this contact form and we will get back to you quickly.

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