Disclaimer: This information is for general education only and does not constitute legal advice. Consult a qualified attorney about your specific situation.
Detailed Answer
Under Michigan’s no-fault auto insurance system, property damage and bodily injury claims follow different processes. You generally cannot bundle them. Instead, you file a property damage claim with your own insurer under your Property Protection Insurance (PPI) or collision coverage and handle bodily injury claims under Personal Protection Insurance (PIP) or a third-party suit if you meet the serious impairment threshold.
1. Understand Michigan’s No-Fault Structure
Michigan requires drivers to purchase PPI for damage to covered vehicles (MCL 500.3114(2)(c)). This covers your auto damage regardless of who is at fault. PIP covers your medical expenses and wage loss up to the limits you selected (MCL 500.3101).
2. Gather and Preserve Evidence
- Take clear photos of vehicle damage from multiple angles.
- Collect witness names and contact information.
- Obtain a police report or incident number.
3. File a Property Damage Claim with Your Insurer
Contact your insurer as soon as possible. Provide the date, location, and circumstances of the collision. Ask for guidance on filing a PPI or collision claim. Review your policy for any deductible.
4. Submit Supporting Documents
- Repair estimates or invoices from a licensed auto shop.
- Copy of the police report.
- Photos and witness statements.
5. Review Settlement Offer and Dispute if Necessary
Your insurer will assign an adjuster to inspect the vehicle and propose a payment. If you disagree with the valuation, you can request a reinspection, hire an independent appraiser or use appraisal clauses in your policy.
6. Consider Small Claims Court for Unresolved Disputes
If negotiations fail, you can file in Michigan’s Small Claims Division (up to $6,500) under MCL 600.8405 (link). Prepare the same documentation submitted to the insurer. Pay the filing fee, serve the defendant, and attend mediation or trial.
Helpful Hints
- Notify your insurer promptly; late reporting can jeopardize coverage.
- Maintain a detailed damage log including dates and repair shop visits.
- Keep bodily injury and property damage correspondence separate files.
- Pay attention to your policy’s deductible and coverage limits.
- Consult your insurer’s dispute resolution process before filing court papers.
- If the at-fault driver is uninsured, your PPI still applies for vehicle damage.
- Document any communication with insurers in writing (email or letter).