Michigan Mini Tort Law Increased to $3000 – What  You Need to Know

Michigan’s Mini Tort law, officially known as Limited Property Damage Liability, allows drivers to recover a portion of their vehicle repair costs when another driver is at least 50% at fault in an accident. As of July 2, 2020, the recovery limit for mini tort claims increased from $1,000 to $3,000, providing Michigan drivers with a better opportunity to recover out-of-pocket expenses.

Why the Mini Tort Limit Increased

The increase to $3,000 was designed to account for rising vehicle repair costs and to better align with the financial realities of modern auto repairs. This change helps ensure that drivers can more fully recover their expenses without having to pay significant amounts out of pocket.

Who Qualifies for the Higher Mini Tort Payout?

To qualify for the new $3,000 mini tort limit, you must:

  • Have insurance coverage at the time of the accident.
  • Be less than 50% at fault for the accident.
  • File the claim within the appropriate legal timeframe.
  • Not be uninsured at the time of the accident (uninsured drivers are not eligible).

How the $3,000 Limit Impacts Michigan Drivers

With the increased mini tort limit, drivers in Michigan now have a greater chance of recovering a more significant portion of their vehicle repair costs. However, this higher limit also means that at-fault drivers without adequate liability coverage may face larger out-of-pocket expenses if they cause an accident.

Important: If your vehicle is uninsured at the time of the accident, you are not eligible to file a mini tort claim, even if the other driver is clearly at fault.For a step-by-step guide on filing a Mini Tort claim, visit the Guide on filing a Michigan Mini tort Claim.

Important: Vehicles without insurance at the time of the accident are not eligible to file a Mini Tort claim, even if the other driver is clearly at fault.

Protect Yourself with the Right Coverage

To avoid being on the receiving end of a $3,000 mini tort claim, make sure you have optional Limited Property Damage Liability coverage. This add-on can provide peace of mind, covering you if another driver decides to seek compensation for out-of-pocket repair costs.

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