Michigan’s no-fault system does not mean every vehicle-damage dispute is handled only by your own insurer. The limited property-damage rule commonly called “mini-tort” can provide a separate recovery in qualifying situations.
How much can Michigan mini-tort pay?
Michigan DIFS states that for accidents after July 1, 2020, the maximum mini-tort amount is $3,000. A driver who is 50% or more at fault may be sued for qualifying damage to the other vehicle that is not otherwise covered by insurance.
Collision coverage changes the practical result
DIFS explains that a driver with optional collision coverage generally uses mini-tort to recover the deductible or other qualifying uninsured amount, while a driver without collision may be able to seek qualifying damage up to the statutory cap.
Mini-tort is separate from an injury case
A property-damage claim does not resolve medical benefits, wage loss, pain and suffering or other injury issues. Those questions should be analyzed under the applicable no-fault and tort rules.
Official source: Michigan DIFS Auto Insurance FAQ — Mini-Tort.
For injury-law information, review our Michigan Vehicle Laws guide.