MN Car Accident Lawyers – Replacement Services Insurance Benefits


MN Car Accident Lawyer – Replacement Services

Our Minnesota car accident lawyers have represented many people with serious injuries. Their injuries may keep them off their feet for an extended time. We make sure you get the auto insurance benefits you are entitled to. One issue that often comes up after a serious car accident injury (besides wage loss, medical bills, ad car damage), 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 after you are seriously injured in a car crash.


Fortunately, every MN auto insurance policy comes with a benefit called Replacement Services Coverage. Replacement Service Loss Benefits reimburse the cost to hire out non-work substitute services. Hit is limited to a maximum of $200 per week and excludes the first seven days after the car accident. This benefit 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. Our Minnesota auto accident lawyers frequently help people recover replacement services compensation when they basically can’t take care of themselves after a serious crash.

In addition, this benefit is not limited to the amount you actually payed someone for the help.  If you are a primary homemaker, the reasonable value of your full time services is covered, even if your 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 you also work outside the home.

As would be expected today, two people can both have primary responsibility for the management of a household. Therefore, if either of them is injured, they can be reimbursed for the reasonable value of their usual services or the actual amount they pay out-of-pocket to hire someone, whichever is greater.  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: The primary focus of our car accident attorneys is to make sure that our clients get all the compensation they are entitled to.


If you are injured in a MN car accident that was not your fault, call us and speak with a top attorney for a free consultation.  A Minnesota auto accident lawyer will fully explain your rights and make sure you receive the insurance benefits you are entitled to.

Pam Rochlin has been repeatedly recognized as a MN personal injury super lawyer for many years.  She is a former partner at Meshbesher and Spence, and was the 2015 president of MN Women Lawyers Organization. Our lawyers have 25 years’ experience representing people seriously injured in a car accident in Minneapolis, St. Paul, and throughout Minnesota.  The initial consultation is free and we never charge anything unless you are compensated.