Replacement services: $20 a day
If your injuries keep you from doing the things you did for yourself and your household, PIP pays up to $20 a day for someone else to do them. That includes cleaning, laundry, cooking, yard work, snow removal, grocery shopping and driving. The benefit lasts up to three years from the crash (MCL 500.3107(1)(c)).
The person helping can be a family member. You need a doctor’s note saying you cannot do the tasks, and a simple log of what was done and on which days.
Over three years, the full benefit is worth about $21,900. Most people collect a fraction of that because nobody tells them to submit the forms.
Medical mileage
Travel to and from medical appointments, pharmacies and therapy is an allowable expense. Keep a log of dates, addresses and miles, and submit it with your other bills.
Survivors’ loss
When someone dies in a crash, their dependents can receive the financial support and services the person would have provided, for up to three years. The benefit uses the same monthly cap as wage loss: $7,455 per 30 days for accidents from October 1, 2026 through September 30, 2027 (MCL 500.3108).
Funeral and burial
PIP pays funeral and burial expenses of at least $1,750 and up to $5,000, depending on the policy.
Wrongful death claims
Survivors’ benefits are separate from a wrongful death claim against the driver who caused the death. That claim can recover funeral costs, lost financial support beyond what PIP pays, and damages for the loss of companionship. It must be brought through a personal representative of the estate.
