Michigan Accident Policy
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How to fill out Accident Policy?
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FAQ
If your car is properly parked and hit by another car, the other driver's no-fault coverage will pay for the damage to your car. Except for this one situation, the only kinds of auto insurance that will pay for repairs to your car are collision and comprehensive coverage.
Under Michigan law, your own car insurance company is responsible for paying the vehicle damage following a car crash. This type of coverage is called collision coverage.
In general, car accidents in Michigan will stay on your driving record as follows: points on your driver's license, which will remain there for two years; and/or convictions on your driving record which will remain there for a minimum of seven years.
Reporting a Car Accident in Michigan Michigan Compiled Laws section 257.622 says that, after an accident, the driver of any vehicle involved must immediately report the collision if it: resulted in injury to, or death of, any person, or. resulted in property damage to an apparent extent of $1,000 or more.
Michigan has no-fault laws regarding car accidents, which means that your own car insurance will cover your injury-related costs whether or not you were at fault in causing or contributing to your accident.
Under the Michigan No-Fault insurance law, if you chose to have a deductible on your No-Fault coverage for auto-accident-related medical bills, then you will have to pay the deductible even if you are not at fault and had nothing to do with causing the car accident.
Insurance coverage attaches to the vehicle and its driver. Therefore, a car owner is NOT liable for any accident that a friend, family member, or other borrower causes while operating the owner's car.
What should I do after a car accident in Michigan? Following any car accident in Michigan, a crash victim should definitely contact the nearest police department, file a police report and seek any medical treatment if needed. After everything settles down, it's important to obtain a copy of the police report.
No-fault will pay up to $1 million for damage your car does in Michigan to other people's property, such as buildings and fences. It will also pay for damage your car does to another person's properly parked vehicle. It does not pay for any other damage to cars.
