Michigan Car Accident Repairs & Damage Claims – Frequently Asked Questions
If I have been involved in a Michigan car accident, who has to pay for the repairs and damages to my car?
How much you will receive depends on whether you or the other driver was at fault and on what type of collision coverage you had on the car. Your own car insurance pays for the repairs on your vehicle.
What types of Michigan collision coverage are there?
There are three types of Michigan collision coverage for repairs to your car. They are called Limited Collision Coverage, Standard Collision Coverage, and Broad Form Collision Coverage.
What if I did not buy Michigan collision coverage?
If you did not buy collision coverage, you will have to pay for the repairs to your car even if you were not at fault in the accident. You may be able to recover up to $500.00 from the other driver or his insurance company. This is called a minitort claim.
What is a deductible?
This is the amount that you agree to pay toward the cost of repairs before the insurance company steps in to pay the rest.
How much money out of my pocket will I have to pay for the repairs?
This depends on which type of coverage you had at the time of the Michigan car accident. Once you have determined whether you have Limited Collision Coverage, Standard Collision Coverage, or Broad Collision Coverage, you need to determine who was at fault for the accident. Call your car insurance agent for a further explanation of the type of coverage on your vehicle.
