Who pays for car damage in Michigan?

Asked by: Veda Gleason  |  Last update: February 11, 2022
Score: 4.3/5 (17 votes)

Under Michigan law, your own car insurance company is responsible for paying the vehicle damage following a car crash. This type of coverage is called collision coverage.

What happens if someone hits your car in Michigan?

If someone hit your parked car in Michigan you need to call the police to report the accident and document the damage to your vehicle. If possible, get the at-fault driver's name, address, e-mail, phone and auto insurance information. ... Make sure to take at least one picture of the vehicle's license plate.

Who pays for car damage in a no-fault state Michigan?

1. Collision and Comprehensive Insurance Your no-fault insurance DOES NOT pay for repairs to your car if it is damaged in an accident. If your car is properly parked and hit by another car, the other driver's no-fault coverage will pay for the damage to your car.

Can I sue someone for damaging my car in Michigan?

If the at-fault driver who totaled your car was insured at the time of the crash, then you're limited under Michigan's mini tort law to sue for no more than $3,000 for your vehicle damage repair costs. However, if the at-fault driver was uninsured, you can file a lawsuit for the full value of your vehicle damage.

Is Michigan still a no-fault state?

Yes, Michigan is a no-fault state for car insurance. In the event of an auto accident, a Michigan driver's no-fault personal injury protection (PIP) insurance pays for his or her own medical expenses, lost wages and at-home services like cleaning or laundry.

Who will pay my auto accident medical bills in Michigan?

19 related questions found

Will Michigan get rid of no-fault insurance?

Today, Michigan drivers are required by law to have a no-fault automobile insurance policy that includes Personal Injury Protection (PIP) benefits. ... On July 2, 2020, many changes to the existing no-fault auto insurance law will take effect, including giving Michigan drivers a choice in their level of PIP coverage.

Do you have to pay a deductible if someone hits your car?

You do not have to pay a deductible if someone hits your parked car, that person is identified, and they have property damage liability insurance. If you file a claim with your own collision insurance or uninsured motorist coverage after someone hits your car, then you will likely have to pay a deductible.

Do I have to pay my deductible if someone hits me in Michigan?

Under Michigan No-Fault insurance, if you are less than 50% at fault in causing the car accident that resulted in damage to your motor vehicle, then you will NOT have to pay a deductible if you have the broad form or limited collision coverage. The deductible is waived if you are not “substantially at fault.”

What happens if someone damages your car?

Notify your agent and/or your insurance company immediately. If anyone is injured or the vehicle damage exceeds $750.00, you must report the accident to the Department of Motor Vehicles within 10 days. Failure to notify the DMV may result in the suspension of your driver's license.

Can you be sued for an accident that wasn't your fault?

Technically, no, California is not a no-fault state. ... Drivers in California do still retain their right to sue for additional damages, according to Los Angeles car accident attorneys.

Will my auto insurance go up if someone hits me?

Naturally, most injured victims that contact our firm want to know about the financial consequences of the collision. A common question that potential clients ask us when they call is whether their car insurance rates will increase as a result of the collision – even if they weren't at fault. The answer: no.

Do insurance rates go up after no-fault accident in Michigan?

Do insurance rates go up after a No-Fault accident in Michigan? Unfortunately, however, there is nothing in the Insurance Code that prevents your auto insurance company from increasing your rates for a crash where YOU WERE NOT AT-FAULT.

Does insurance go up if someone hits your car parked?

Will my insurance go up if my parked car is hit by someone? If you file a claim with your own auto insurance company, you may see a rate increase. ... However, some insurance companies will increase your rate any time a claim is filed, regardless of fault, depending on your state.

What do I do if someone hits my car?

Steps to Take at the Scene
  1. Call the police. An officer will document the incident and create an official accident report, which you will typically need to have when filing your claim with your insurance company, says the Insurance Information Institute (III). ...
  2. Document the accident. ...
  3. Notify your insurer.

What if someone claims you hit their car?

Best course of action: STOP. Make every effort to notify the owner of the vehicle you hit. If there are injuries, render any aid that you can. Call the police FIRST, then your insurance agent.

What happens if someone hits and runs your car?

If you get involved in a hit-and-run in California, you should contact the police right away, then file a claim with your insurance carrier. If you have full coverage car insurance, your policy should cover most of your losses, like vehicle damages and medical bills.

How do car insurance companies pay out claims?

If your claim is approved, you'll receive payment for the amount of the loss as determined by the insurance company. Depending on what the insurance claim entailed, you might receive the payment or the insurance company might send it directly to any vendors involved in the loss, such as a car mechanic.

How do insurance companies determine fault?

If the police do not decide who is at fault, or the insurance company disagrees, your insurance adjuster will investigate the accident and use the details to determine fault. The insurance company will use photos, maps, witness statements, medical records, and special algorithms to calculate fault.

What should I tell my insurance company after an accident?

Give Only Limited Personal Information. You need only tell the insurance adjuster your full name, address, and telephone number. You can also tell them what type of work you do and where you are employed. But at this point you need not explain or discuss anything else about your work, your schedule, or your income.

What do you do if you are in a car accident and not your fault?

The First Steps to Take When You Are in a No-Fault Accident
  1. What to Do Immediately After the Crash. ...
  2. Collect Information on the Accident Scene. ...
  3. Call the Police. ...
  4. Record the Event in Writing at Home. ...
  5. Inform Your Auto Insurance Company About the Accident. ...
  6. You May Choose to Sue the At-Fault Driver's Insurer.

What type of insurance pays for your car if you are at fault?

Auto liability insurance is a type of car insurance coverage that's required by law in most states. If you cause a car accident — in other words, if you are liable for the accident — liability coverage helps pay for the other person's expenses.

Who pays deductible if not at fault?

Your insurance company will pay for your damages, minus your deductible. Don't worry — if the claim is settled and it's determined you weren't at fault for the accident, you'll get your deductible back.

Do you pay collision deductible if not at fault?

You do not have to pay a car insurance deductible if you are not at fault in a car accident. ... You will have to pay a deductible for collision coverage and personal injury protection, but your insurance company will eventually recoup your costs through subrogation with the at-fault driver's insurer.

Can you be sued in a no-fault state Michigan?

Michigan's no-fault insurance protects insured persons from being sued as the result of an automobile accident, except in certain situations. This includes when the injured party does not have enough coverage to pay for treatment or payment must be made to compensate someone that was killed or seriously injured.

Do I have to have PIP in Michigan?

In Michigan, all drivers must carry personal injury protection, sometimes called "no-fault" insurance. It's meant to cover a driver's medical bills after a car accident, no matter who was at fault.