How To File A Mini Tort Claim In Michigan

A mini tort claim is like a small-scale civil suit that y'all file against an at-fault driver. It is important to note that a mini tort claim is filed with the other drivers insurance company. We every bit your amanuensis can provide you with information on how to file a mini tort claim, simply we do not have whatsoever authority in actually processing that merits with a tertiary political party.

At this fourth dimension, the maximum dollar amount that can exist recovered as a result of a mini-tort merits is $3,000. The dollar amount that can exist recovered is non impacted by whether or not your vehicle has physical damage coverage or simply liability only (PL/PD). To make up one's mind the dollar value of your merits, there is sure documentation that is required:

A police force study showing that the other commuter was cited for hazardous action
A repair estimate from a licensed torso store or dealership
A re-create of your machine announcement showing that y'all are responsible for your deductible

If the estimate is below your deductible or the tort maximum, y'all are owed the bottom amount.

During a mini tort claim, you accept a claim number and an adjuster just like you would for your own claim with your ain carrier. If liability is accepted by the other carrier, information technology tin can take up to thirty days to receive your reimbursement from them. The reason for this is that they must achieve out to their own insured for a statement earlier reaching out to yous. By law, they must make a certain amount of attempts to reach them either by telephone or Us Mail.

Proceed in heed the simply style to recover payment from the other carrier is:

If the other driver had NO lapse in coverage at the fourth dimension of the blow, AND
They carried mini tort coverage on their policy (which is an optional coverage)

If your parked and unoccupied vehicle is struck by a KNOWN driver, and then you may also file a merits confronting the other driver under the Property Protection Insurance section of their liability coverage (PPI). A police written report is helpful, but not necessary, equally virtually of these incidents occur on private belongings and the police force volition not come on site to make a report. Every bit with mini tort claims, you volition as well need an judge for your amercement to ship to the other driver's insurance carrier. Unlike mini tort, the other party is responsible for 100% of the amercement plus the cost of a rental car.

In either example, the other driver does have the option to pay your claim out of pocket or plough it in to their insurance company to pay on their behalf. If for some reason y'all are unable to collect from the other political party, your just other choice would be to take at-fault commuter to minor claims courtroom.

Information technology is important to annotation that one time we accept advised yous on preparing all relevant documentation for the other carrier, our interest ends as nosotros are non the claimant and have no financial interest in the outcome. If you need aid filing a mini tort claim or take questions, please give our role a call at 517-482-1316.

Source: https://www.rathbunagency.com/blog/2022/01/what-is-mini-tort-how-do-i-file-a-claim