What if I lost my job due to the injuries from the
accident?
If, as a result of the injuries sustained in the accident, you find yourself unemployed, the insurance company is obligated to provide compensation for lost wages. This obligation remains in effect even if you have recovered from your disability, provided that you actively seek new employment once your disability period has concluded.
What if I can only work part-time due to the injuries from
the accident?
The insurance company is obligated to compensate you for the disparity in earnings between your pre-accident income and your post-accident income.
How should I proceed with filing my claim? The claim should be submitted to the insurance adjuster who is assigned to your specific claim.
What kind of documentation is required?
You will need a note from your doctor, typically in the form of an Attending Physician’s Form, stating that you are unable to work. Additionally, you will need a wage verification form from your employer, which should be submitted to the insurance adjuster. You can obtain a free download and print of the necessary claim form from www.denizan.com.
What is the timeframe for filing a claim?
It is recommended that you submit your claim for wage loss benefits every thirty days. However, claims for wage loss can be submitted up to one year from the date of your disability.
What steps should I take if the insurance company denies payment for these benefits?
If your insurance company refuses to provide the necessary benefits, your only option is to take legal action and file a lawsuit against the insurance company, demanding payment for the wage loss benefits.
How do I know if I am eligible for these benefits?
You may determine your eligibility for these benefits by following specific criteria. In accordance with Michigan law, you have the right to receive these benefits irrespective of fault if you sustained injuries in a motorcycle accident related to the possession, operation, maintenance, or usage of an automobile, such as a car or truck. The main requirement is that the motorcycle accident must have involved an automobile.
Moreover, if you were operating your own motorcycle, it is essential that your motorcycle was insured. By having basic motorcycle liability insurance, commonly referred to as Personal Liability and Property Damage (PLPD) insurance, you can be eligible for these benefits. In the event that you did not adequately insure your motorcycle, you may still have the opportunity to pursue other claims arising from the accident.
How much can I get insurance money?
There are no financial constraints on the obligations of the no-fault insurance company when it comes to covering medical expenses resulting from accidents. However, it is important to note that the medical bills must be deemed both reasonable and necessary for your care, recovery, and rehabilitation. To illustrate, consider the scenario of a young man who sustains severe injuries in a motorcycle/car collision, necessitating medical treatment that incurs expenses in the millions of dollars. In such cases, it is the responsibility of the no-fault insurance company to bear the cost of these medical bills.
What if I have health insurance? Who is responsible for
paying my bills?
If the available no-fault insurance policy incorporates coordinated medical coverage, your health insurance will assume responsibility for paying your medical expenses. Meanwhile, the no-fault insurance company will handle the costs that your health insurance does not cover, such as co-pays and deductibles. To illustrate, suppose your health insurance policy grants coverage for 20 annual physical therapy visits. However, your doctor advises that you require 30 physical therapy visits to address your accident-related injuries. In this scenario, the No-Fault insurance company would be obliged to cover the ten physical therapy visits that are not covered by your health insurance.
WE HIGHLY RECOMMEND THAT YOU SEEK IMMEDIATE LEGAL ADVICE FROM AN ATTORNEY FOLLOWING THE INCIDENT TO ASSESS YOUR PARTICULAR CASE AND DETERMINE THE AVAILABILITY OF NO-FAULT MEDICAL COVERAGE.
In the event that the insurance company denies coverage for these benefits, what steps should be taken?
If your insurance company denies payment for these benefits, initiating a legal proceeding against the company that is demanding reimbursement for the medical expenses is your sole recourse. In the event that the claims are submitted within one year but remain unpaid by the insurance company beyond the one-year mark from the date of the expenses or claims, it becomes imperative to commence a lawsuit within the given one-year timeframe to safeguard your entitlement.
Opting to pursue a legal action against your insurance provider for No-Fault benefits requires you to file the lawsuit within ONE YEAR from the date on which the last outstanding No-Fault benefit was accrued. Failure to initiate the lawsuit within this one-year timeframe will result in the forfeiture of your right to seek payment for the benefit or expense. In circumstances where there are pending claims that haven’t been settled by the insurance company as the one-year anniversary of your accident approaches, it is strongly recommended that you file a lawsuit prior to the accident’s one-year anniversary.
Type of Benefit:
In-Home Nursing Care/Attendant Care
In home nursing care/attendant care benefits serve a specific purpose. They are a component of the medical benefits that you are eligible to receive under the No-Fault laws. These benefits are provided to ensure that your personal needs are taken care of while you are recuperating from your injuries.
The range of services offered encompasses assistance with toileting, showering, feeding, and medication administration. Additionally, the caregiver is there to provide companionship and supervision throughout your recovery period. It is worth noting that the caregiver can be a family member, friend, nurse, or an individual from a nursing agency.
How much can I get to pay for nursing care?
The payment for these services is determined by the level of care and supervision provided. The usual range is between $12.00 and $25.00 per hour. However, higher fees are applicable for cases involving severe injuries such as brain injuries, spinal cord injuries, and other serious conditions that necessitate extensive assistance.
How many hours a day can I get it for?
This is contingent upon the number of hours per day deemed necessary by your physician for these services. In numerous instances, compensation is provided for a twenty-four-hour period. Despite sleeping for several hours each day, there may still be a requirement for someone to be present at your residence in case of an emergency or to aid you in using the restroom should you awaken during the night.
What do I do if the insurance company refuses to pay
these benefits?
If the insurance company refuses to pay these benefits, your only recourse is to initiate legal proceedings against the insurance company, seeking payment for the services rendered.
To safeguard your claim, it is imperative to commence a lawsuit within one year if the claims were submitted within that same timeframe but remain unpaid by the insurance company.
In the event of litigation against your insurance company for No-Fault benefits, you must file a lawsuit within ONE YEAR from the date of the last unpaid No-Fault benefit incurred. Failure to adhere to this one-year deadline will result in the forfeiture of your right to seek reimbursement for the unpaid benefit or expense.