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Michigan No-Fault Insurance Settlement For Home Modification Expense

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Our no-fault insurance lawyers recently settled a lawsuit for client who became quadriplegic in a 2001 Michigan auto accident.  The spinal cord injury survivor was a minor at the time of the accident.  As he had gotten older, it became necessary for him to use the master bathroom in the house but this needed to be modified to accommodate his handicap.  A claim was submitted to the no-fault insurance company to pay for the home modification but it was ignored by the adjuster.

Under Michigan law, an insurance company is required to provide home modifications to a car accident injury victim to accommodate the special needs of the injured person for accident related injuries.   This benefit is frequently paid in cases involving spinal cord injuries and amputation injuries.  Modifications often include handicapped ramps, bathroom modifications, and even additions to existing homes.
Based upon the insurance company’s refusal to pay for the home modifications, we filed a lawsuit in the Wayne County Circuit Court.  After engaging in discovery and taking depositions, the insurance company agreed to pay $50,000 for the bathroom modifications.  This was $7,000 more than the actual cost of the bathroom to cover attorney’s fees and expenses related to the filing of the lawsuit.
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