anyone know MI insurance laws?
Joined: Aug 2012
Posts: 1,062
From: Saint Louis, MO
This. In MO, you touch, your at fault. You touch my baby, I sue with a rightous fire. So many ppl drive without ins now a days, I know that in jersey if you drive without ins, thats jail time. Here its a ticket, when it NEEDS to be jail AND a fine.
No matter what you can always try and sue.
Everyone has to carry liability insurance, so that any medical bills are covered (dependent on your set limits). Collision is optional and not having it is a risk.... and is a risk in 3 different ways as I mentioned before:
- You are in a "No-Fault State"
- You are at fault for the accident.
- You are in an accident with an uninsured person
Last edited by KCFITZ78; Oct 30, 2013 at 02:23 PM.
Michigan
Florida
New Jersey
New York
Pennsylvania
Hawaii
Kansas
Kentucky
Massachusetts
Minnesota
North Dakota
Utah
Hence why it is called a "NO-FAULT STATE". Doesn't matter who is in the wrong because the person does not pay... in the end the a insurance company makes the payout. This is just a different way to go about handling accidents in these states because it avoids expensive litigation over the causes of accidents.
No matter what you can always try and sue.
Everyone has to carry liability insurance, so that any medical bills are covered (dependent on your set limits). Collision is optional and not having it is a risk.... and is a risk in 3 different ways as I mentioned before:
[*]You are in a "No-Fault State"[*]You are at fault for the accident.[*]You are in an accident with an uninsured person
My point..... you want your car covered.... then pay the collision premium. It can be a hard lesson learned, it can be unfair, but this is what's in place.
You understand right? I think you just don't understand the reverse thinking... correct?
I don't understand how the Insurance company can pay her less than the damage that was done to her car (beacuse the lady had mini-torte insurance) and say that she is no longer allowed to sue the lady. The way it works in washington is if you hit some one one way or another your liable for the damage you cause. Not the other person or their insurance.
I don't understand how the Insurance company can pay her less than the damage that was done to her car (beacuse the lady had mini-torte insurance) and say that she is no longer allowed to sue the lady. The way it works in washington is if you hit some one one way or another your liable for the damage you cause. Not the other person or their insurance.
--------------- from the link above
Q. But what if the $1,000 mini tort doesn’t pay all of my car damage?
A. Michigan’s mini tort law is not designed to pay for all of your vehicle damage. The purpose is to compensate a person involved in a car accident that was not at-fault for out-of-pocket expenses resulting from the collision. Michigan’s mini tort law is premised upon people being free to purchase their own collision coverage. If an individual has existing collision coverage, the full vehicle repair costs from the accident will be paid from that policy. However, even if someone has collision coverage, he can still make a mini tort claim for incidental, out-of-pocket expenses such as a deductible. Again, the maximum amount recoverable from a mini tort is limited to $1,000.
-------------------
WA is different... "NO-FAULT STATES" go by each party involved in an accident is automatically reimbursed by his own insurance company, it reduces the need for insurance claims adjusters to go to court to determine which company is responsible for what damages.
Your sister was driving in a NO-FAULT STATE so that states laws are in play. The other party might have caused the accident but it does not mater. Your sister has car insurance and the minium required is liability, so her medical expensenes are paid for. If she had collision insurance then her car would be paid for by her insurance. The other party only incures higher premiums per accident until they can no longer be insured.
http://www.michiganautolaw.com/no-fa...i-tort/faqs#04
--------------- from the link above
Q. But what if the $1,000 mini tort doesn’t pay all of my car damage?
A. Michigan’s mini tort law is not designed to pay for all of your vehicle damage. The purpose is to compensate a person involved in a car accident that was not at-fault for out-of-pocket expenses resulting from the collision. Michigan’s mini tort law is premised upon people being free to purchase their own collision coverage. If an individual has existing collision coverage, the full vehicle repair costs from the accident will be paid from that policy. However, even if someone has collision coverage, he can still make a mini tort claim for incidental, out-of-pocket expenses such as a deductible. Again, the maximum amount recoverable from a mini tort is limited to $1,000.
-------------------
WA is different... "NO-FAULT STATES" go by each party involved in an accident is automatically reimbursed by his own insurance company, it reduces the need for insurance claims adjusters to go to court to determine which company is responsible for what damages.
Your sister was driving in a NO-FAULT STATE so that states laws are in play. The other party might have caused the accident but it does not mater. Your sister has car insurance and the minium required is liability, so her medical expensenes are paid for. If she had collision insurance then her car would be paid for by her insurance. The other party only incures higher premiums per accident until they can no longer be insured.