When a motorcycle accident doesn’t involve injuries, but the motorcycle is still damaged, the most common question I receive from people is about repairs and their legal rights. People want to know if the Michigan mini tort law — which covers up to $1,000 of vehicle damage (from the at-fault driver’s insurance company) — applies to motorcycle accidents.
The bad news is the Michigan mini tort does not apply to motorcycle damage and repairs.
The good news is that it might one day soon.
There is currently no mini tort for motorcycles, as a motorcycle is not considered a “motor vehicle” under the Michigan No Fault law. Therefore, the No Fault laws do not apply to motorcycles. For more information, take a look at my recent blog post, “Can you file a mini tort claim for motorcycle damage?”
But there’s a bill in the works that would expand Michigan mini tort to motorcycle accidents.
House Bill 5211, introduced by State Rep. Bill La Voy (D-Monroe), has been introduced and referred to the committee on insurance.
If it passes, the $1,000 toward vehicle damage would apply to all vehicles. That would include motorcycles that are damaged and must be repaired after accidents, a definite positive for Michigan bikers.