Michigan accident can already be stressful, but this situation can be much worse when you find out the other driver does not have insurance. We will provide you with steps on what to do when you have a Michigan accident and auto damage with an uninsured driver.
Steps to take when the Michigan accident occurs:
- First, check to make sure that you are not injured if you call 911 to request an ambulance.
- Next, turn on your hazard lights or if it is safe to do so and you have them you can put out warning triangles or safety flares.
- Move out of traffic if the accident is minor and there aren’t any injuries. You should move your auto to an area that is safe, but close to the scene.
- Call the police if they do not show up make sure that you exchange information with the other party. If the other person does not have insurance make sure you get their pertinent information. Photocopy of license, contact information, and license plate number. Using a smartphone you can take pictures of these items and also damage to the car. If the police show up they will get the needed information which you can get when you get a copy of the police report. If the police do not show up, get as much information as possible so you can later report the information to the police.
- Finally, notify your insurance agent and report the information from the accident.
Michigan accident repair options:
- Make a claim with Michigan Small Claims Courts. The maximum amount you can sue for in small claims court is $5000. This means you can sue for up to $5,000 in small claims damages. You will need to file the fees and initiate this process with the court. That is why it is important to have the contact information of the other person. This process can be done without an attorney.
- If damages exceed $5000 then you will need an attorney to start a claim in Civil court to recover your damages.
- Call your agent and make the claim through your own company. There should not be a penalty if you were not at fault in the accident. This will usually be the quickest choice, because it may take longer to get paid from the other party when you go to court. Usually, the person who is driving without insurance will not have the money to pay if sued. The downside to this option is that you will have to pay your deductible if you have standard or limited collision on your policy.
Michigan accident with Hit & Run:
If the other party leaves the scene you will have to call your agent and make the claim through your own company.
If you are involved in a Michigan accident and the other person has insurance you will need to get their information so you can file a Michigan mini-tort claim, to get your deductible reimbursed. The highlighted link explains the mini tort claim process to recover your deductible.