Replacement Services Benefits for Accident Victims
Personal injuries caused by accidents will temporarily or permanently affect anyone’s lifestyle. In Michigan, anyone unable to do their previous activities can hire replacement services instead. These services are and should be covered by the No-Fault law of the state. Under the No-Fault law, all individuals injured in the car accident can enjoy the replacement service benefits. This law applies to all injured individuals, even if they are at fault. This includes the driver, the passenger, a rider of another vehicle, or a pedestrian.
What is Replacement Services Benefits?
Replacement services benefits are also commonly known as household services benefits. These are compensation received from an auto insurance company for assistance in household chores, as well as childcare. The victim, whether at fault or not of the accident, is entitled to receive payment of up to $20 per day. It is essential to take note that the victim has the right to these benefits whether these are performed by a hired individual or a family member. As long as you are unable to do these household tasks due to your accident injury, you are eligible for compensation.
The Replacement Services and the No-Fault Law
Under the no-fault law, the coverage for compensation includes reasonable and necessary products, services, and accommodations while the person recovers. This should include all of the activities the person cannot do because of the injury. Therefore, the injured person can enjoy a compensated replacement and household services for up to three years from the date of injury. The compensation will last for either as long as the person is unable to perform these household tasks, or a maximum of three years, depending on which one comes first. A person can receive as much as $20 each day for replacement services or a total of $600 a month, which is adjusted every 30 days.
How to Apply for a Replacement Service
To be able to enjoy these benefits, the injured person must file for replacement services within one year from the date of the accident. If you apply beyond this period, you will not be able to enjoy these replacement services. After you initially submit your claim, your insurer will assign you an insurance adjuster. You will then be required to submit a household chore and replacement services benefit claim to this insurance adjuster. For your own benefits, it is advisable to have the forms reviewed by an expert personal injury lawyer before submitting them over to your insurance adjuster. You’ll have to submit claims for the benefits every 30 days.
To fully receive a compensated replacement service, the injured person should secure the following information. This application may be submitted with your no-fault benefits in some instances.