MN Car Accident Lawyers – Replacement Services Insurance Benefits

 

AUTO ACCIDENT INSURANCE BENEFITS REPLACEMENT SERVICE – ATTORNEY MN

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MN Car Accident Lawyer – Replacement Services

Our car accident lawyers frequently represent people with serious injuries. Unfortunately, their injuries may keep them off their feet for an extended time. If this happens to you, our attorneys help you get the auto insurance benefits you are entitled to. Of course, the first financial issues after a serious car accident injury are wage loss, and medical bills.

However, that is just the beginning. You may also need to figure out how the laundry will get done, the grass get mowed, the house get cleaned, etc.  If you are married, your spouse may be able to pick up the slack. But, that can be a great burden to your spouse and your family. Especially if they are caring for you at the same time. These are just some of the issues after you are seriously injured in a car crash.

AUTO INSURANCE BENEFITS FOR HELP AROUND THE HOUSE

Fortunately, every MN auto insurance policy comes with a benefit called “Replacement Services Coverage.” This auto insurance benefit will reimburse the cost to hire out non-work substitute services. Unfortunately, it is limited to a maximum of $200 per week and excludes the first seven days after the car accident. However, even that can be helpful. 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 paid someone for the help. If you are a primary homemaker, the reasonable value of your full-time services is covered. They will pay you 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 paid for the reasonable value of their usual services. Or, they can be reimbursed the cost to hire someone. A single person living alone with no one to replace the services for her can make the same claim. 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. The primary focus of our car accident attorneys is to make sure that our clients get all the compensation they are entitled to.

CAR ACCIDENT ATTORNEYS MN

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.