Michigan mini-tort

Michigan Mini tort can provide up to $3000

Mini tort, also known as limited property damage liability, is a provision under Michigan’s no-fault law. It allows drivers to sue other drivers for up to $3,000 in damages if they are 50% or more at fault in a Michigan auto accident and insurance does not cover the other driver’s car damages. However, uninsured drivers cannot use this provision. 

How do you get Mini tort in Michigan?

To file a Mini tort claim in Michigan, you must sue in small claims or municipal courts. Either party can ask the higher court to move the case. The person who requests the move will be responsible for the additional court costs, and the judgment will be the same as the  lower court. 

A new change to the mini-tort law states that vehicles that don’t have insurance can’t claim vehicle damage by an “at fault” driver.

It’s crucial to ensure you have limited property damage coverage on your insurance policy to protect yourself against Michigan Mini-tort claims. It’s essential since limits have increased to $3,000 from $1,000, effective July 2, 2020. Insurance companies provide coverage for “mini-tort” as an optional coverage called limited property damage liability. This coverage can provide you with a sense of security, protecting you if the other driver sues you.

Suppose you are involved in a Michigan auto accident and you do not have full coverage. You can sue the other driver for damages, which your insurance company does not cover if the other driver is 50% or more at fault. Click on the highlighted link for a step-by-step guide on filing a Michigan Mini tort Claim.

How to protect yourself against Michigan Mini-tort claims.

Finally, its crucial to ensure you have limited property damage coverage on your insurance policy. This is especially important now with the new higher limits. Having the right coverages can provide you with a sense of security if the other driver sues you. Click the link Michigan No-fault auto insurance quote to get more information.