Michigan mini-tort: get your deductible back

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A short explainer on Michigan's mini-tort rule, the $3,000 limit, the 50% fault line, small claims court, and why drivers with collision coverage usually recover only the deductible.

This short video is a summary of our explainer Michigan Mini-Tort Claims: How to Recover Up to $3,000 After a Car Accident, which covers the details, the steps to take, and how auto insurance typically handles it.

Transcript

Crashed in Michigan and stuck paying the repair deductible? Michigan's mini-tort lets you recover up to $3,000 in car damage not covered by insurance from the at-fault driver. You can't recover if you were more than half at fault, and claims start in small claims court. If you carry collision coverage, mini-tort usually gets back just your deductible. Keep the repair bill and police report. Compare free quotes at autoinsurancebundle.pro.

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Important: This video is general information, not legal, tax, or insurance advice, and coverage rules vary by state, insurer, and policy. AutoInsuranceBundle.pro is a free, independent insurance comparison and referral service. We are not an insurance company, we do not issue policies, and we do not provide insurance advice. Calls to the number on this site are routed to licensed insurance agents or agencies in our partner network, who may receive compensation. Calling is completely voluntary and there is no obligation to buy. Rates, discounts, and availability vary by carrier, state, and individual eligibility; not all carriers, products, or discounts are available in all states. Calls may be recorded for quality and compliance purposes.