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Home / Auto / How to File a Michigan Auto Insurance Claim

How to File a Michigan Auto Insurance Claim


The very very first thing you need to discover out about submitting a auto insurance declare is what sort of declare you’ve got received to file. Most claims in Michigan are filed by your self auto insurance protection due to the strict no fault regulation. It applies to not solely medical safety, however moreover many eventualities of bodily harm. It means regardless who’s at fault, all people’s private protection covers their very personal harm. Of course, safety is solely provided if you insure your automotive with the appropriate safety.

Anytime you’ve got received an auto insurance declare to file, the perfect place to start is along with your private insurance service or agent. Always identify them in case you aren’t positive the place your declare needs to be filed.

Standard Claim Filed on Your Own Auto Insurance Policy

Hit a deer? Hit a guard rail or mailbox? Have a fender bender accident on the freeway? All of these claims is likely to be filed by your self auto insurance protection. It would not matter who’s at-fault. What points is what sort of safety you carry in your automotive.

Comprehensive safety will defend your automotive from quite a few completely totally different losses. Pretty a lot, one thing aside from a collision.

  • Windshield Damage
  • Hitting an Animal
  • Storm Damage
  • Fire Damage
  • Theft

Collision safety provides safety for if you end up in a collision involving one different automotive. The type of collision safety listed in your automotive determines if in case you’ve got safety and whether or not or not or not you’ve got received a deductible.

Common Questions Ask In Insurance In Order to File a Standard Claim:

  • Verify Your Name, Address, Phone Number, and Policy Number
  • Time, Date, and Location of Accident
  • What Vehicle Were You Driving
  • Describe the Accident
  • Is the Vehicle Drivable
  • Where is the Damage Located on the Vehicle
  • Police Report Number
  • Info of Other Vehicles Involved (determine, cellphone amount, automotive yr make and model, insurance service, insurance protection amount)
  • Where Do You Want Your Vehicle Repaired
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Mini Tort Claim

Mini tort claims are a type of declare filed in Michigan when the not at-fault driver recordsdata a declare agree the at-fault driver’s automotive for a sum of up to $ 1000. Mini torts can solely be filed beneath specific circumstances.

  • The Not At Fault Driver’s Vehicle has No Collision Coverage
  • The Not At Fault Driver’s Vehicle has a Deductible

That is it. Those are the one cases a mini tort could possibly be filed in the direction of an at-fault driver’s automotive protection. In order to file a mini tort, you need to know who the at-fault driver is and the place they’re insured. Their protection amount moreover makes points easier along with a police report. It could possibly be troublesome submitting a mini tort with out these.

Information Needed for a Mini Tort Claim:

  • Same Info as a Standard Claim
  • Copy your Declaration Page Showing Your Coverage
  • Estimate from a Body Shop Showing Amount of Damage

Property Damage Claim

The one time in Michigan you’ll get completely reimbursed from an at fault driver’s automotive protection is when your automotive is hit whereas parked. Your automotive could possibly be completely restored and even automotive rental safety is provided in a property harm declare. Most of the time the police is just not going to come out when a automotive is hit in a automobile parking space. In these cases the at-fault driver can have to admit fault.

The information wished to file a property harm is an identical as a customary declare, solely will in all probability be filed on the at-fault driver’s automotive protection. Obviously to file the declare on the at-fault driver’s automotive protection, you need to know who the at-fault driver is, the place their automotive is insured, and their protection amount.

Read Also:  The Purpose of Medical Malpractice Insurance

Injury Claim

Anytime you is likely to be injured in a automotive accident in Michigan, your insurance protection covers you. And I suggest covers you totally! The MCCA cost makes it so drivers are lined with no limits to medical value. Depending on how you’ve got received your protection setup, you’ll have a deductible.

To file an hurt declare identify your insurance service or agent and provide the an identical information as a customary declare. Plus, embrace a guidelines of your accidents and the place to procure or plan to search medical remedy.

Pain and Suffering Claim

If you is likely to be severely injured in a automotive accident introduced on by a negligent driver, you might have considered trying and be eligible for compensation for ache and struggling. Car insurance regulation suits are minimized by no-fault authorized tips. Seek advice out of your insurance provider or a automotive accident lawyer for further information.

* I refer to the at-fault driver’s automotive protection ceaselessly all via the article as a results of claims are filed in the direction of the automotive not the driving drive. Meaning if the driving drive simply is not the proprietor of the automotive involved throughout the accident, the declare stays to be filed in the direction of the insurance protection of the automotive.

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