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Michigan Mini Tort Benefits

Posted on: Wednesday, February 6th, 2013

Michigan Mini Tort Benefits Increasing from $500 to $1,000

Recently Governor Rick Snyder signed Public Act 158 which made specific chances 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


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Chris Beardslee

Account Executive at Allied Insurance Managers
With 13 years experience as an account executive, Chris has a proven track record of dedication and commitment to excellence.A regular contributor to the Allied Blog.Chris takes great pride in working with business owners to develop a strategic plan that will allow them to achieve their risk management objectives.
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