What is work loss benefit (PIP) for homemaker under Michigan no-fault insurance law?
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Michigan is a no fault insurance state. They force you to have medical and work loss coverage in the event of an accident taking away your health or an ability to work. You can coordinate with existing medical or work loss (disability) insurance to save money. Does anyone know if there are any mandates set for work loss benefits for a homemaker? The law forces me to carry work loss benefits for my wife, who is a homemaker and receives no income, however, it feels to me like I am paying premiums on coverage from which we would never - God forbid - receive any benefit.
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Answer:
MI PIP is funky and different than any other state out there. I suggest you contact your agent and pose this question to them. Or call your insurance company and ask to talk to a PIP adjuster. The adjuster with their experience can state what coverage she may or may not get due to her being a homemaker. good luck
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