Personal Injury Protection (PIP) insurance benefits are benefits available to people who have been injured in car accidents. Because PIP benefits are provided by your insurance company in accordance with the Michigan No Fault Act, they are often referred to as No Fault insurance benefits as well.
PIP benefits are available to any insured person who has been injured in a car accident. They are available without regard to fault, which means you can collect PIP benefits whether you caused the accident or whether you were the accident victim. This is another reason they are called "No Fault" benefits.
PIP benefits include the following benefits. More information about each individual benefit is available at our law firm's website, www.BuckfireLaw.com.
- Medical expenses, including hospital bills, follow-up treatment, and the cost of prescriptions
- Wage loss
- Household replacement services
- Attendant care
- Case management services
- Home modification
- Medical mileage
- Special transportation
- Survivor loss
Although some of these benefits have fixed amounts the insurance company will pay, many of them are based on what is reasonable and necessary in light of the accident and your injuries. For example, your insurance company is obligated to pay all reasonable and necessary medical expenses caused by the accident until the injuries heal. This is not the case with household replacement services, which are limited to a maximum of $20 per day for three years after the accident. Even this amount can be substantial, however, since $20/day comes out to over $7000/year for up to three years.
If you would like more information about your rights after a Michigan car accident, you can order our FREE book, "The Ultimate Michigan Car Accident Handbook" by clicking on the book link. We will send it out immediately along with other important information.