Michigan Car Accident Fault

Michigan has adopted the Proportional Comparative Fault at 51% standard of negligence. Proportional Comparative Fault at 51% means that if the injured party is 51% or more at fault in the car accident, he is absolutely barred from recovery for the other driver’s negligence.

MICHIGAN CAR INSURANCE REQUIREMENTS AND LIMITS

Michigan Bodily Injury Liability Minimum Coverage

Personal Injury (single passenger): $20,000 coverage for injury to an individual.

Personal Injury (multiple passenger): $40,000 in coverage for the driver and passengers in the car at the time of the accident.

Property Damage: $10,000 or more.

Michigan Small Claims Limit: For car accident claims less than $3,000, the car accident lawsuit is assigned to Small Claims Court.

Michigan Personal Injury Statute of Limitations: The statute of limitations for personal injury in Michigan is 3 years from the date of the injury.

Michigan Statutes Online: Michigan Vehicle Code § 257.617a (Car Accident Reporting to Police or other agency.); Michigan Compiled Laws § 600.5805 (Statute of Limitations for Personal Injury); Michigan Compiled Laws § 257.328, § 500.3101 et seq. (Insurance Requirements); Michigan Compiled Laws § 600.8401 et seq. (Small Claims Limits).

MICHIGAN CAR ACCIDENT REPORTS

Michigan Police Reports: To request a copy of a police report or other accident report from a Michigan law enforcement agency, access the Traffic Crash Purchasing System (TCPS) at https://mdotwas1.mdot.state.mi.us/TCPS/login/welcome.jsp.

DMV: The police must be notified if there are injuries or property damage of more than $1,000.

Insurance Notification: In Michigan, you must notify your auto insurance company immediately and file an application for benefits within one year. Some insurance companies have stricter notice requirements, so make sure to check your insurance policy for notice requirements.

In Michigan, there is a strict three year time limit to file an Application for Benefits form against a third party’s insurance company and protect your no faults rights.