- May 15, 2015
- Car Accidents
- Personal Injury
To obtain mini tort coverage, you and/or your attorney can write a letter to the insurance company of the driver who caused the accident and request the money. It is beneficial to include the following when making a claim:
- The police report demonstrating the person who caused the accident was at fault;
- The declaration sheet from your own insurance company;
- An estimate of vehicle repairs and/or photographs showing the damage.
In general terms, if your car is damaged in an accident that was not your fault, the at-fault driver should pay your deductible and your own insurance policy will pay for the rest. Nothing should come out of your own pocket.
If the car collision was caused due to your own negligence and you are considered at fault for the collision, you will have to pay the deductible amount that is agreed upon on your own insurance policy. For most Michigan drivers, the deductible will range between $500.00 – $1,000.00.
For the many drivers who do not have an auto insurance policy, if you are considered at fault for the accident you will not be protected under the mini tort law. You will be responsible for payment of your vehicle damage.
Our Detroit auto accident attorneys would like to remind you that a mini tort claim will only recover compensation for your vehicle damage, not your injuries. If you suffer injuries and want to pursue a lawsuit to recover compensation for your pain and suffering damages, it is in your best interest to consult with an attorney who has experience handling first and third party claims. It is also important that you do not wait to do so as there are strict statute of limitations for filing a claim. Waiting too long could bar you from collecting any compensation at all.
At Goodman Acker P.C. our attorneys have significant experience helping auto injury clients get back on their feet and collect compensation on both first (no-fault insurance benefits) and third (pain and suffering damages) party lawsuits. We have over 30 years of experience representing victims and a successful track record of obtaining the maximum settlement for them. We can do the same for you.
Call today if you or your loved one was involved in an automobile crash and are seeking compensation for your injuries. We offer a free, no obligation case review where we will review your case, determine if you have a claim and answer any questions you may have. We charge no fees or costs whatsoever until we win or settle your claim. Call now at (248) 286-8100.