Michigan has a no-fault auto insurance system which is recognized as having the highest benefits in the United States.
Under a no-fault system, where accident victims are promptly compensated for their losses, you always report the accident to your own insurance company. In Michigan, those injured in auto accidents receive reasonable and customary medical benefits for their lifetime, for injuries that are related to the auto accident, as well as substantial wage loss benefits on a "no-fault" basis. The collision and comprehensive coverages of your policy will cover damage to your vehicle. If the other driver was at fault, you may be entitled to a maximum of $1,000 from them for damage to your vehicle that is not covered under your own policy, such as a deductible. Mini-Tort is an optional coverage that you can purchase for your policy. It would cover up to $1,000 for damage to someone else’s vehicle in the event that you were at fault
If you are involved in an automobile accident, this section will explain what you should do and what you should expect our claims staff to do for you.
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