Even in a minor car accident vehicle repairs can be expensive. Michigan’s mini-tort law allows drivers to recover up to $3,000 for out-of-pocket vehicle damage caused by a negligent driver. However, not everyone qualifies, and insurance coverage plays a key role in determining if you can file a claim.
If you were not at fault for the crash and your car was damaged, you may be able to file a mini-tort claim against the at-fault driver. This guide explains who qualifies, how to file, and what to do if the other driver refuses to pay.
What Is Michigan’s Mini-Tort Law?
Vehicle damage is not covered under no-fault insurance or PIP benefits. Michigan’s mini-tort law is designed to help drivers recover out-of-pocket vehicle repair costs when another driver is at fault for an accident. Under this law, you can claim up to $3,000 from the at-fault driver for vehicle damage not covered by your own insurance. The mini-tort claim is useful when:
However, mini-tort does not cover full vehicle repairs, rental car costs, or other losses. It strictly applies to out-of-pocket repair expenses when another driver is at least 50% at fault.
Who Qualifies for a Mini-Tort Claim?
Not every driver can file a mini-tort claim in Michigan. To qualify, you must meet specific legal requirements. Below is a breakdown of who is eligible and the key factors that determine your ability to recover up to $3,000 for vehicle damage.
Even if you qualify, insurance companies may deny or delay payments. If you have difficulty recovering your mini-tort compensation, an experienced Michigan car accident lawyer can help you take legal action.
How to File a Mini-Tort Claim in Michigan
Filing a mini-tort claim allows you to recover up to $3,000 for vehicle damage caused by another driver. While the process is designed to be simple, insurance companies may still push back, and at-fault drivers sometimes refuse to pay. Following these steps can help ensure a smooth claim process and maximize your chances of getting reimbursed.
While most mini-tort claims can be handled without a lawyer, complications can arise….especially if the insurance company disputes fault or denies payment. Legal guidance can help you recover the compensation you are owed.
What If the At-Fault Driver Refuses to Pay?
Not all drivers willingly pay a mini-tort claim, especially if they don’t have insurance or dispute fault. If the at-fault driver refuses to compensate you for vehicle damage, you still have options to recover your money.
If the at-fault driver ignores court orders or disputes your claim, seeking legal guidance can help enforce payment and protect your rights.
Common Mini-Tort Claim Mistakes & How to Avoid Them
Filing a mini-tort claim seems simple, but small mistakes can lead to delays, denials, or receiving less than what you’re owed. Avoid these common errors to ensure a smooth process:
Being prepared and following the proper steps can help you avoid unnecessary delays and get the compensation you deserve.
Frequently Asked Questions About Mini-Tort Claims in Michigan
Contact a Michigan Car Accident Lawyer for Help with Your Mini-Tort Claim
Filing a mini-tort claim should be simple, but insurance companies and at-fault drivers don’t always cooperate. If your claim is denied, the other driver refuses to pay, or you’re unsure how to proceed, we can help. At The Clark Law Office, we’ve helped countless Michigan drivers recover mini-tort compensation. We know how to deal with insurance disputes, negotiate fair settlements, and take legal action when necessary. Call us today for a free consultation and let us guide you through the process.
Explore how mini-tort claims fit into the broader insurance picture in our insurance and no-fault guide.