CAR ACCIDENT INSURANCE BENEFITS REPLACEMENT SERVICE – MN ATTORNEY
Our Minnesota car accident lawyers have represented many people with serious injuries that have kept them off their feet for an extended time. One issue that often comes up (besides wage loss, medical bills, car replacement, and other serious issues), is how will the laundry get done, the grass get mowed, the house get cleaned, etc. Even if you are married and your spouse is willing to pick up the slack, it can be a great burden to your spouse and your family.
Fortunately, every auto insurance policy comes with what is called Replacement Services Coverage. Replacement Service Loss Benefits reimburse all expenses in obtaining usual and necessary non-work substitute services to a maximum of $200 per week, but excluding the first seven days after the accident. This is part of the income loss portion of your insurance policy. Replacement Service Loss Benefits are not limited to services provided in the home. For example, car maintenance could be included.
Only out of pocket expenses are reimbursed unless the injured person has full time responsibility to provide care and maintenance of a home with or without children, in which case reasonable value of those full time services is covered even if the spouse picks up the work with no out of pocket expenses. “Full time responsibility” means primary responsibility for management of the household, regardless of whether the person also works outside the home. As would be expected today, two people can both have primary responsibility for the management of a household and if either of them is injured, they may claim either the reasonable value of the care and maintenance services that the injured party cannot perform or the reasonable expenses incurred in obtaining usual and necessary substitute care and maintenance of the home, whichever is greater. Of course a single person living alone with no one to replace the services for her can make the same claim and get reimbursed, even if she doesn’t hire someone to come in and provide the services. Here is a website for information on valuation of replacement services: www.salary.com.
If you are injured in a MN car accident, call and speak with one of our attorneys for a free consultation. We will fully explain your rights and make sure you receive the insurance benefits you are entitled to.