Michigan’s Mini-Tort Law allows drivers to recover certain out-of-pocket expenses from a car accident, regardless of fault. This law is part of Michigan’s no-fault insurance system. Typically, this covers medical expenses and wage loss but not vehicle damage. The Mini-Tort Law provides an exception. It’s important to know how to file a claim and take full advantage of this exception.
Eligibility for Mini-Tort claims
To file a claim, the other driver must be at least 50% at fault for the accident, and the vehicle involved must have insurance on it. Finally, it’s vital to provide proper documentation to support the claim. This may include the police report, repair estimates, and proof of payment.
Coverage limits under Mini-Tort Law
As of July 1, 2020, Michigan’s Mini-Tort Law allows you to recover up to $3,000 for vehicle damage. This amount covers your deductible or other repair costs not covered by insurance. The amount increased from the previous limit of $1,000.
Filing a Mini-Tort claim
When filing a claim, you must gather all relevant information from the accident. Make sure to bring the police report, photos of the damage, and contact details of the other driver. Also, get an estimate or receipt for the repair costs.
Notify the insurance company of the at-fault driver about your intention to file a Mini-Tort claim, and provide them with all the collected documentation. You may be able to file the claim with the at-fault driver’s insurance unless they are uninsured or underinsured. In this case, you may need to pursue the claim directly with the driver through small claims court.
Legal considerations and assistance
While the Mini-Tort Law simplifies recovering out-of-pocket expenses, disputes can still arise. If the at-fault driver’s insurance denies your claim or if there are disagreements about fault or damage amounts, seeking legal assistance may be beneficial.
Navigating Mini-Tort claims effectively
Michigan’s Mini-Tort Law provides a valuable avenue for drivers to recover out-of-pocket expenses. Understanding how to file a claim can help you get reimbursed for your repair costs. By staying informed about your rights, you can manage the financial impact of an accident and focus on recovery.