Michigan’s No-Fault system generally separates vehicle damage from injury benefits. Mini-tort is the limited property damage claim that may let a person recover certain out-of-pocket vehicle damage from an at-fault driver or that driver’s insurer.
For accidents after July 1, 2020, Michigan’s mini-tort limit increased to $3,000. The claim is commonly used for uninsured vehicle damage, a collision deductible, or other vehicle damage not covered by insurance, depending on the facts and coverage.
Jason’s eBook flags that motorcyclists can be treated differently in some No-Fault property-damage situations. If the damaged vehicle is a motorcycle, do not assume the same mini-tort path applies without reviewing the facts and policy language.
Related: PLPD vs. full coverage collision insurance in Michigan.
No-Fault benefits, medical bills, motorcycle crashes, and insurance coverage choices can become fact-specific quickly. Call 877-769-3752 for a free consultation with 877-POWER-LAW.
No fee unless we collect money damages for you.
Source note: This information center is based on Attorney Jason Waechter’s No-Fault Law eBook and has been refreshed with current public guidance from the Michigan Department of Insurance and Financial Services. It is general information, not legal advice. Coverage decisions should be reviewed with an insurance agent, and accident-specific questions should be reviewed with an attorney.
Mini-tort is a limited property-damage path some Michigan drivers ask about after a crash. It is separate from full liability injury claims.
Mini-tort is a limited way certain drivers may recover a capped amount of out-of-pocket vehicle damage when another driver is at fault, subject to statute and insurance rules. It is not a full injury lawsuit.
No. Medical and many injury-related benefits usually run through no-fault/PIP or other coverages. Mini-tort is about limited vehicle damage reimbursement in qualifying situations.
Crash report, photos of damage, repair estimates or invoices, deductible proof, and insurance claim numbers. Clear fault evidence matters.
No. Eligibility, caps, and insurer procedures still apply. Read denial letters carefully and keep deadlines in mind.
If you were hurt, document medical care even when the first call is about the car. Injury and property tracks can both matter.
Call 877-769-3752 or Get a free case review. This page is general information, not legal advice for a specific case.