How is a not at fault car accident handled in the state of Michigan? It is certainly more complicated than compared with every other state in the US. Filing a claim where you are not at fault can be dealt with in a few different ways depending on what collision coverage you carry on your car insurance policy.
Broad and Limited Collision Coverage: Both broad and limited collision provide coverage on your own policy to cover damage from a not at fault accident. Both cover all damages without paying a deductible. No deductible will make this claim a whole lot easier to bare.
Standard Collision: Standard collision means your car insurance policy will cover the damages, however you will have to pay a deductible. If you know who caused the damage, you can file a mini tort claim against the at fault car’s insurance policy. A mini tort claim allows you to collect up to $1000 from the at fault car’s insurance policy. You are only allowed to collect what you deductible is listed at. Therefore, if your deductible is $500 the mini tort claim will pay out $500.
No Collision: Having no collision in Michigan means more than likely you will not be fully reimbursed for damage to your vehicle even if someone else is at-fault. Your car insurance policy will not cover any damages without collision coverage. You are able to file a mini tort claim against the at-fault car’s car insurance policy. You are eligible for up to $1000 for damages. You will need to provide proof of damages to the other car’s insurance carrier and also show you do not have collision coverage of your own.
If you are really concerned about the damage another driver could do to your vehicle, you should really consider carrying broad or limited collision. It is the only way to get your vehicle back to its original state as quickly and cheaply as possible.
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