Michigan Mini Tort Benefits
Michigan Mini Tort Benefits Increasing from $500 to $1,000
Recently Governor Rick Snyder signed Public Act 158 which made specific changes to the Michigan No-Fault auto coverage know as Mini-tort. The two major changes are:
1) The Mini Tort coverage limit has been doubled from $500 to $1,000
2) Uninsured vehicles are now disqualified from all coverage under the Mini Tort law
Mini Tort is your right after being involved in a collision where you are deemed to be less than 50 percent at fault to get some coverage out of an at-fault driver’s insurance policy.
There are three damages that are available for coverage in a mini-tort claim:
1) Monetary damages;
2) To repair or replace a motor vehicle; and
3) Which is not covered by insurance
Accordingly, in order for a plaintiff to prevail in a mini-tort claim, he must establish five points:
1) That he is the owner of a motor vehicle;
2) Which was damaged by the negligence of the defendant;
3) That such damage was repaired and/or that such damage caused the vehicle to be totaled;
4) That all or a portion of the damage was uninsured; and
5) That the plaintiff was not more than 50% at fault
For more information please refer to https://www.michigan.gov/documents/cis_ofis_ip206_25091_7.pdf