Some Michigan automobile insurance quotes will offer personal injury protection. Wage loss under personal injury protection also includes lost wages lost due to the loss of a family member in an automobile accident, in which case the insurance pays wages and fringe benefits you would have received from the person’s income. Replacement services include expenses for household services that you normally perform but can’t due to injury in an accident. In this case, personal injury protection insurance will pay up to $20 per day for someone to come into your house and perform services such as yard work or housekeeping.