If you are employed and have no benefits through a private insurance policy, your own insurance company is obligated to pay you income replacement benefits for any time you are unable to work because of impairments from injuries sustained in a car crash. As a general rule, if your accident occurred on or after September 1, 2010, the income replacement benefit is 70% of your gross income earned before the accident, less statutory deductions, to a maximum of $400 per week. If you have purchased additional benefits, the maximum may be increased to $600, $800 or $1,000 per week. Your gross income can be calculated on average weekly income earned in the 52 weeks or 4 weeks before the crash, whichever is greater. Benefits are not available for the first seven days following the injury.