The Process to file a Michigan Mini Tort Claim
Michigan mini tort also called (Limited property damage liability) is a provision of Michigan’s no-fault law.
Under this provision, if you are 50% or more at fault in a Michigan insurance accident, and the other driver’s insurance does not entirely cover damages to the other driver’s car, you may be sued and may have to pay up to $1000 in costs. You may sue the other driver for damages to your vehicle which are not covered by your insurance if the other driver is 50% or more at fault.
A lawsuit made under the mini tort provision is filed in small claims or municipal court. Either party can ask to have the case moved to a higher court, but the person who has the case moved will be responsible for the additional court costs, and the judgment will not be higher, than what would have been paid out in the lower court.
Damages will be awarded on a “comparative fault basis” this is an amount or percentage that you are at fault in the accident. For example, if the cost is $1000 and the other party is 60% at fault they will have to pay $600 to you. Insurance companies will usually provide coverage for “mini-tort” as an optional coverage called (limited property damage liability). The other party can also elect to pay the damages out of pocket.
Uninsured drivers cannot recover any money under Michigan’s mini tort law.
Three Things you need to make a Michigan mini tort claim:
Start the Michigan mini tort claim process
Get a copy of the police report. The insurance company will verify who was at fault, and the insurance information will be listed on the police report. Getting the police report is essential because this is where you find out who the other party has their insurance coverage. Next, you will need to look up the claim phone number of the other company to start the claim process.
a) If the insurance company is not listed, then you will need to contact the other driver to verify their insurance information.
b) Take them to small claims court. If the other party was driving without insurance, then they will be liable for the full amount of damages.
The second step in the Michigan mini tort claim process
Locate the other insurance company to give them a copy of your declarations page so they can verify what your deductible is. The insurance company will pay the lesser of your deductible or damages not to exceed the $1000 max.
Last step in the Michigan mini tort claim process
Get an estimate from a body shop; you have to prove to the insurance company that you have damages. If the damages are less than your deductible, the insurance company will pay the lesser amount.
Finally, follow up with the Michigan mini tort claim
Not that you have successfully filed a Michigan mini tort insurance claim the process is not over. The other insurance company will have to verify the information. Record the claim number and a contact number to follow-up with their claim office.
If your agent has not provided you with the coverage’s to protect against mini-tort, click the link to Get an Auto Quote from a local Michigan agent.
Finally, click the following link on Michigan Exceptions to the No-Fault Law to find out when in Michigan you can sue the other at-fault driver for vehicle damage.