Mindell Law Firm

Collision Coverage Michigan

Collision Coverage Michigan

I didn’t have collision coverage on my car and someone ran into me damaging my car.  Now I am being told the other driver does not have to pay me the full amount for the damage to my car.  Is this true?

Regarding your question: “Collision Coverage Michigan?”  Unfortunately, that probably is correct.  Michigan law states that you must carry your own, but collision coverage on your own car is optional.  If you don’t have collision coverage, the most you can get from the other driver or their insurance company is currently (as of November 2015) $1000.  It’s called the mini-tort.

However, are you aware of all your benefits?  Things such as no fault or PIP benefits?  If you were injured and you had proper insurance coverage, you may be entitled to these benefits.  Here is a brief look at some of the coverages you may be entitled to:

• Medical Bills
  Click here to see more in our No Fault section.
• Wage Loss
  Click here to see more in our No Fault section.
• Attendant Care Services
  Click here to see more in our No Fault section.
• Household Services/Replacement Services
  Click here to see more in our No Fault section.
• Medical Mileage
  Click here to see more in our No Fault section.
• Catastrophic Injuries
  Click here to see more in our No Fault section.
• Survivor/Loss Benefits
  Click here to see more in our No Fault section.

You may be interested to read this information provided by the State of Michigan.  https://www.michigan.gov/documents/cis_ofis_ip202_25083_7.pdf 

You also may be entitled to make a pain and suffering claim and should set up a No Fault claim, but those are separate issues we would be happy to discuss with you.

See our auto section for more information.

Please call, we are always more than happy to discuss these matters free of charge.