3 Types of Car Accident Claims in Michigan: 3 Potential Cases
People involved in a car crash may file 3 types of car accident claims in Michigan for accidents: a mini tort claim for vehicle damage, a first party claim for No-Fault benefits and/or a third-party claim for pain and suffering compensation.
Mini Tort Claim for Vehicle Damage: 3-Year Time Limit
Michigan’s mini tort law allows people whose vehicles have been physically damaged in a car accident to recover up to $1,000 in damages from the at-fault driver who caused the accident – and/or that driver’s car insurance company. For crashes that occur after July 1, 2020, the maximum mini tort recovery amount will increase from $1,000 to $3,000.
To learn more about this type of car accident claim, check out the following pages:
First party claim for No-Fault benefits for personal injuries from a car accident: 1-Year Time Limit
Michigan’s No-Fault law entitles people who have been injured in a car accident to receive benefits from their own auto insurance to help them financially and with the care, recovery and rehabilitation needs they will have.
When a disagreement arises between people and their auto insurers over what No-Fault benefits they should be receiving, people can file what’s called a “first party” claim against their insurer for unpaid and overdue No-Fault benefits. There is a 1-Year Time Limit for filing a first party car insurance claim.
The No-Fault benefits that may become the subject of this type of car accident claim include:
Third party claim for pain and suffering compensation for personal injuries from a car accident: 3-Year Time Limit
Michigan’s No-Fault law allows people who have been injured in a car accident to recover pain and suffering compensation (also known as “non-economic loss” damages) – as well as excess economic damages – under certain circumstances from the at-fault driver who caused the accident and/or the driver’s auto insurance company. There is a 3-Year Time Limit for filing a third party claim.
This type of car accident claim – which is between an auto accident victim and the at-fault driver who caused the accident – is what’s called a “third party” claim. View our Third Party Car Insurance page to learn more about the types of recoveries that can be had with this claim.