Attendant care may be needed when a rider requires hands-on help, supervision, or nursing-type assistance after serious injuries.
Attendant care can include help with bathing, dressing, transfers, medication reminders, supervision, mobility, wound care, and daily safety needs. The need should be medically supported.
DIFS clarified that the 56-hour issue is not a complete cap on all attendant care. For family-provided in-home care, insurers are required to pay up to 56 hours per week under certain circumstances, and additional care may involve outside providers or contracts.
Disputes may involve medical necessity, rates, hours, family-care limits, contracts, and whether the correct insurer is responsible. Document the need before the insurer cuts or delays care.
Michigan riders should think about insurance before a crash and again immediately after a crash. The motorcycle policy is only one part of the protection plan. Health insurance, household auto policies, uninsured motorist coverage, underinsured motorist coverage, bodily injury limits, umbrella coverage, medical payment options, exclusions, and renewal paperwork can all affect the outcome.
For attendant care motorcycle crash, the key is to compare what the policy appears to promise against what the policy actually says. Coverage names can sound broad, but exclusions, definitions, limits, priority rules, notice requirements, and required forms can change the result. Riders should keep complete policy copies, not just insurance cards, because the declarations page alone may not answer the hard questions.
After a motorcycle accident, claim decisions can turn on documents the rider may not have handy. Request complete certified policy copies, endorsements, declarations pages, coverage-selection forms, and claim correspondence. If an insurer says coverage is limited or excluded, ask for the specific policy language and the facts the insurer is relying on.
No. Depending on medical need and policy/legal rules, family members or non-professional caregivers may provide some care.
A detailed daily log backed by medical support is often critical.
Source note: This draft information-center page is based on Volume 2: Michigan Motorcycle Law & Insurance from Attorney Jason Waechter, The Motorcycle Lawyer. It is general information, not legal advice. Crash facts, insurance policies, medical coverage, and Michigan law can change how a claim should be handled.
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