Michigan mini-tort

What is Michigan Mini-tort amount

Michigan Mini-tort, also called  (limited property damage liability), is a provision under Michigan’s no-fault law.

Under this provision, if you are 50% or more at fault in a Michigan insurance accident and insurance does not cover the damages to the other driver’s car,  the other driver may sue you, and you would have to pay up to $3000 in damages.  You can sue the other driver for damages to your car, which your insurance company does not cover or if the other driver is 50% or more at fault. Click this link to see what you should do if you are involved in a Michigan auto accident.

How to recover Mini-tort

A lawsuit made under the mini-tort provision will usually be in small claims or municipal courts.  Either party can ask the higher court to move the case, but the person who asks to move the case will be responsible for the additional court costs, and the judgment will not be higher than what they would get in the lower court.

A new change to the mini-tort law makes it that owners of vehicles that don’t have insurance can’t make a claim for vehicle damage by an “at fault” driver.

The court will pay Damages according to the amount or percentage at fault.  For example, if the damage is $1000 and the other party is 60% at fault, they will have to pay $600 to the other driver.  Insurance companies 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.  Click on the highlighted link for a step by step guide on how to file a Michigan Mini-tort Claim.

Effective July 2, 2020, the limits for mini-tort will increase to $3000 from $1000. Still unchanged in the new law, uninsured drivers cannot collect any money under Michigan’s mini tort law.

How to protect yourself against Michigan Mini-tort claims.

Finally, make sure you have limited property damage coverage on your insurance policy, click Michigan No-fault auto insurance quote to get more information. Having the right mini-tort coverages will be even more critical when the higher limits take effect. Having the proper coverage on your policy, you will protect you if the other driver sues you.