Car, Home, Toys, and Life Insurance Resource Center

Welcome to the best Michigan insurance resource! Michigan has the most unique insurance laws in the United States. Learn about what it takes to be insured properly as a Michigander. Get saving tips, mandatory coverage amounts, and answers to many frequently asked questions.

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How to File a Car Insurance Claim in Michigan

Filing a car insurance claim in Michigan is actually easier than compared to other states in the US. Because of Michigan’s no-fault laws, most of the time you will get to deal with your own insurance carrier. Dealing with your own carrier streamlines the process as opposed to going through someone else’s insurance policy. With a little know how, you can get your claim filed quickly without a lot of hassle. Take a look at the required information you will need, who to call, and how much time you have to get the claim filed in the state of Michigan.

Required Information for Quickly Filing a Claim in Michigan

  • Description of the accident
  • Date of the accident
  • Time of the accident
  • Location of the accident
  • Where the damage is located on the vehicle
  • Name of the driver
  • Names of passengers
  • Description of injuries
  • A good phone number to contact you

Optional Information Which Can Be Provided at a Later Time

  • Contact info of other vehicle’s owner and driver
  • Other vehicle’s year, make, and model
  • Police report or police report number
  • Where do you want to get your vehicle repaired

Who to Call

Now that you know what information you will need to provide, you need to know who to contact. My first suggestion is for you to call your insurance agent. Your insurance agent could potentially act as the go between for you and the insurance carrier. Give all the details to your insurance agent and they can then give the info to the insurance company. Once the claim is filed a claim adjuster will be in contact with you.

Sometimes it is just not possible for an agent to relay the info for all their clients, in which case they will most likely give you the customer service number. It is not difficult making the call to your insurance carrier’s 800 number. Follow the prompts and a representative will walk you through the claims process. The representative should be able to give you your claim number and possibly the name and phone number of your claim representative.

How Much Time is Allowed to File a Claim in Michigan?

The best advice is to file a claim as soon as possible. The details of the accident are fresh in your mind and the claim can be taken care of without delay. The more documentation you have regarding your claim such as a police report the better off you are. Michigan does not have a deadline in which a claim must be filed, however without the proper documentation, you could have more hassle with a long delay.

Many people like to hold off on filing a claim if they do not have the cash to pay their deductible. It is understandable and there is no since in filing if you cannot afford the deductible. Keep all of the accident details in order and work hard to save up your deductible. File the claim as soon as you are able to get the vehicle fixed. The claim is always to be filed with the insurance carrier in which you had active coverage at the time of the accident. Meaning if you switch insurance carriers you will still file the claim on the policy which you had coverage with at the time of loss.

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