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Frequently Asked Questions

What is Personal Injury Protection (PIP)?



  • For policies issued or renewed after July 1, 2020, if you are hurt in an auto accident, PIP will pay all reasonable and necessary medical expenses for your lifetime up to the maximum coverage amount selected in the affected policy. PIP will also pay wage loss and replacement services for up to three years after the date of the accident.

    The new law allows you to choose your PIP medical limit on your auto policy. PIP medical coverage pays for allowable expenses for medical care, recovery, and rehabilitation if you have injuries from an auto accident.

    The PIP medical coverage options are:


    • Unlimited coverage

    • $500,000 per person per accident

    • $250,000 per person per accident

    • $250,000 per person per accident with exclusions
      To select this option, one or both of the following must be met:



      • The named insured who is excluding PIP medical has qualified health coverage that is not Medicare; AND

      • Any resident relative or spouse who is excluding PIP medical has qualified health coverage



    • $50,000 per person per accident
      To select this option, both of the following must be met:



      • The applicant or named insured is enrolled in Medicaid; AND

      • Any spouse and all resident relatives have qualified health coverage, are enrolled in Medicaid, or are covered under another auto policy with PIP medical coverage.



    • No PIP medical coverage
      To select this option, both of the following must be met:



      • The applicant or named insured has coverage under both Medicare Parts A and B; AND

      • Any spouse and all resident relatives have qualified health coverage or are covered under another auto policy with PIP medical coverage.




    PIP coverages that are separate from PIP medical coverage such as wage loss, replacement services, and funeral and burial expenses are still included in your auto policy, even if you choose no PIP medical coverage (opt out) or the $250,000 per person per accident with exclusions options.

    If you don’t make a PIP medical coverage selection, your policy will be issued with unlimited PIP medical coverage and you will be charged the appropriate premium for this coverage.


In the state of Michigan you have 3cases in a lawsuit

The car accident lawsuit process in Michigan will potentially involve 3 types of casesIn the state of Michigan you have three cases in a lawsuit, depending on which type of relief you are pursuing:

 (1) a case for your injuries and pain and suffering compensation;

 (2) a case for No-Fault PIP auto insurance benefits to pay for medical bills, lost wages, and other PIP benefits; and

 (3) a mini tort case for vehicle damage repair costs.


What is attendant care?


Attendant Care is a Medical Expense

Attendant care is a broad category of add-on medical treatments that are reasonably necessary after you are released from the hospital. It can be as formal as private nursing services provided by a hospice worker or home health care company. It can also be as informal as help and supervision provided by family members. Attendant care can involve help with:

  • Safety and supervision

  • Medical transportation

  • Mobility assistance

  • Dressing and undressing

  • Toilet needs

  • Showering

  • Personal hygiene

  • Cooking and feeding

  • Administering medicine

  • Assisting with at-home exercises or physical therapy

  • Other care or assistance prescribed by a doctor

The key is whether the attendant care was reasonably medically necessary and a result of the motor vehicle accident.

What is replacement care  Services


Replacement Services are Covered Separately

The Michigan No-Fault Act also includes coverage for replacement services. This applies to services provided by a professional or a family member for tasks you would have performed had you not been injured. While replacement services are connected to your injury, they are not considered medical expenses. They may be necessary because of your medical restrictions, but your doctor is not likely to directly prescribe or refer you to a particular service. Common forms of replacement services include:

  • Child care

  • Lawn care

  • Leaf and snow removal

  • Laundry

  • Housekeeping

  • Non-medical transportation

  • Shopping for and delivery of groceries

You and your attorney will need to prove the replacement services were necessary based on your injuries. This is often done using expert testimony by your doctor. You will also need to provide proof of when and by whom replacement services were performed. This will sometimes mean gathering together lots of receipts. Other times, you can create a log similar to the one used for relative attendant care costs.

Attendant Care vs Replacement Services for No-Fault Benefits

While the Michigan No-Fault Act covers both attendant care and replacement services, it treats them differently. After a serious auto accident, you are entitled to receive benefits for all reasonably necessary medical expenses, no matter how long they are provided. Even if those attendant care services are provided by a family member, that relative can be compensated based on the going commercial rate for that kind of care.

In some cases, such as brain damage or other catastrophic injuries, attendant care benefits can continue over the patient’s entire life. As long as the care is still a result of the injuries suffered in the motor vehicle accident, and still medically necessary, your no-fault provider is required to continue to pay for those attendant care services.

However, when it comes to replacement services, the Michigan No-Fault Act is not so generous. Even in the most serious injury cases, benefits for replacement services are limited to up to $20 per day for up to 3 years services include:

  • Child care

  • Lawn care

  • Leaf and snow removal

  • Laundry

  • Housekeeping

  • Non-medical transportation

  • Shopping for and delivery of groceries

You and your attorney will need to prove the replacement services were necessary based on your injuries. This is often done using expert testimony by your doctor. You will also need to provide proof of when and by whom replacement services were performed. This will sometimes mean gathering together lots of receipts. Other times, you can create a log similar to the one used for relative attendant care costs.

Attendant Care vs Replacement Services for No-Fault Benefits

While the Michigan No-Fault Act covers both attendant care and replacement services, it treats them differently. After a serious auto accident, you are entitled to receive benefits for all reasonably necessary medical expenses, no matter how long they are provided. Even if those attendant care services are provided by a family member, that relative can be compensated based on the going commercial rate for that kind of care.

In some cases, such as brain damage or other catastrophic injuries, attendant care benefits can continue over the patient’s entire life. As long as the care is still a result of the injuries suffered in the motor vehicle accident, and still medically necessary, your no-fault provider is required to continue to pay for those attendant care services.


However, when it comes to replacement services, the Michigan No-Fault Act is not so generous. Even in the most serious injury cases, benefits for replacement services are limited to up to $20 per day for up to 3 years

What should I do after a car accident?

 

  1. After your car accident, it’s important that you:

     Seek medical attention, even if you don’t think you were seriously injured. You may have internal injuries that can get worse over time. A medical report from a doctor also can strengthen your auto accident claim.

    • Review the police report of the accident either online or by calling the police department to get the names, phone numbers, and other contact information of witnesses and other drivers.

    • Call Michigan Injury Lawyers. We’ll do everything we can to help you move forward after your accident.

 

What should someone say or not say to other drivers involved in an auto accident?


  1. Again, you never want to admit fault during an accident. You can certainly express empathy and concern for the situation, but ultimately never admit fault.

Can you report a car accident after 24 hours?


  1. Yes. You have to report a car accident within 3 days. However, it’s important to report the car accident with as close of proximity to the actual accident as possible.

How long does a car accident claim take to settle?

  1. How long does a car accident claim take to settle?

    No two cases are the same. You can often resolve a claim in three months and they can take as long as two years. It really depends on the individual, the claim, the facts, oftentimes the insurance company that’s involved, but each case is an individual case and must be looked at under the totality of the circumstances. Often where it’s filed come into play to determine how fast a case can be resolved.

 What can I receive compensation for?

You may be able to file a claim for some of your accident-related expenses, such as: 

  • attendant care

  • hospital bills for current and future treatments

  • lost wages if you’re disabled and can’t work

  • pain and suffering

  • replacement services

  • transportation costs

  • and more

Why hire a home care agency for my accident

 

 

 

Home care agencies have  insurance for their workers.

It implies that you and your family cannot be touched if something goes wrong.

 The caregivers are fully insured against workplace accidents and injuries as part of home health care.

 

 

As we get older, it can become more difficult to independently maintain a healthy lifestyle. Seniors who begin having difficulty remaining independent will often neglect personal hygiene, forget meals, or become unable to do simple things such as cleaning up spills or clutter around the home. Without proper help, situations like these only worsen and can lead to injury, malnourishment, and further complications down the road.

 

When a loved one is still living at home but struggling with physical changes and losing their independence, hiring in-home care can be a great solution. 

In-home h care can be customized to meet these needs and provide the right assistance for seniors while allowing them to stay in the comfort of their own home.

 

Our non-medical caregivers can help with tasks such as cleaning or grocery shopping. Caregivers do not necessarily have to provide medical support, depending on the situation and the senior’s level of independence. 

 

Main Benefits Include:

One-on-One Assistance

The caregiver can come for a few hours a day or a few hours a week depending on your loved one’s needs 

 

Trying to balance your own family and work while caring for Someone. It’s impossible to be everywhere at once and do everything for everybody. An in-home care provider can take some of those 

 

High Quality, Trained Care

The caregivers are trained in how to effectively work with  clients. 

 

We also train and certified Family members as home care aides Providers. We  advocate problems between Lawyer  doctors Monitor and Insurance company . We troubleshoot and monitor appointments  disability Scripps daily notes Documents and payment issues medical bill coding limited hours for family members to work monitoring, hire, Schedule and certified. Daily safety check list and procedure monitoring solve  problems and issues our company understand the procedure inside and out and will make life easier to handle daily living of recovery from injuries at home family understand the challenges that are  face and how to deal with issues related injuries and other conditions. 

This can give you peace of mind knowing that your loved one is in good hands.

 

 

 Caregivers know how to support s help them live as safely and independently as possible while providing a level of care that is aligned with their needs.

 

 

 

 

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