Michigan Home Modifications – No Fault Benefits

Home Modifications

My name is David Christensen.  I'm a partner in this law firm.  Today I'd like to discuss a very important benefit that's available to all Michigan drivers through their Michigan automobile no‑fault insurance policy.  That benefit is called home modifications.  Here's the way that it works.

If you're unfortunate enough to be seriously injured in an accident and perhaps confined to a wheelchair or require other devices to get around your home and your home is not accessible, then the Michigan No‑Fault Act requires your automobile insurance company to modify your home, to make it fully handicap accessible for you.  The modifications can be as simple as putting up grab bars, installing a ramp, or various other surface type of modifications to something as extensive as adding a room, or in some cases, actually building an entirely new house.

The Michigan home modifications benefit is an extremely valuable benefit and serves thousands of people every year.  This is a benefit that you purchase when you buy that automobile insurance policy.

In order to receive this benefit, it will be mandatory for a doctor to write a prescription for the home modifications that you're requesting.  In most cases, it's necessary for an occupational therapist to come into your home and evaluate the structure and your mobility to make recommendations for what modifications you will need.  It's important to consult with an attorney if the insurance company does not cooperate with what your doctor's ordered.