Finding great auto insurance at a low price in Michigan is easy to do when you use the resources found on our site. We can show you ways to not only find cheap rates but also show you the importance of having insurance for your vehicle and how to know what insurance you will need in the state of Michigan.
Michigan operates under a no-fault law for car insurance, which generally means no matter who caused the accident, both parties will be held responsible to repair their own vehicles and pay for those costs. In MI, however, the law is slightly more defined than this simple explanation. The no-fault law was originally designed to lower the number of drivers suing one another for damages, and due to the law there are very limited cases which allow a driver to sue another. In some situations where you do not have much insurance and are found to be less than 50% responsible for the accident, you can collect up to $500 under the state’s mini-tort law.
The tort law, which is observed by other states, is one where the driver at fault for the accident is financially responsible for the medical bills and property repairs of both parties. Michigan’s mini-tort law is based on the percentage of fault for both drivers. The driver who had little to no fault in the accident is given some help under this mini-tort law and won’t be completely responsible for someone else’s mistake. The mini-tort maximum claim amount is currently $500 but it could possibly rise to $1,000 in the future.
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