Last Updated on June 21, 2025 by The Insurance Pros
How to File a Michigan Mini Tort Claim: Step-by-Step Guide (2025)
Michigan’s mini tort law, officially known as Limited Property Damage Liability, allows drivers who are less than 50% at fault in a crash to recover up to $3,000 from the at-fault driver for vehicle repairs. Here’s a clear, updated guide on how to file a mini tort claim in 2025.
📋 What Is a Mini Tort Claim?
If your car was damaged in an accident and your insurance deductible isn’t fully covered, you may be able to recover costs by filing a mini tort claim. This only applies if the other driver was at least 50% at fault and you had valid insurance.
📝 Step-by-Step Filing Instructions
- Collect details from the at-fault driver: full name, phone number, license plate, and insurance information.
- Take Photos: Snap clear pictures of vehicle damage and the accident scene.
- Get the Police Report: Contact the responding agency to obtain a copy of the crash report for proof of fault.
- Obtain a Repair Estimate: Visit a licensed body shop to assess repair costs.
- Submit to Insurance: Send your claim, estimate, and report to the at-fault driver’s insurer.
⏳ Filing Deadline & Court Options
You have three years from the accident date to file your mini tort claim. If the claim is denied or unpaid, you can file in Michigan Small Claims Court (limit: $6,500). If damages exceed this, the case may move to district court.
To get help with small claims, visit Michigan Legal Help for the most recent filing procedures.
🛡️ Check Your Own Coverage
Before filing, confirm whether your auto policy includes limited property damage liability. This optional add-on protects you in case you’re at fault and someone else files a mini tort claim against you.
📘 Understanding Exceptions to Michigan’s No-Fault Law
Michigan’s no-fault insurance law generally restricts the ability to sue for vehicle damage, but there are exceptions. For a full breakdown of when you can pursue additional compensation, check out this resource:
Michigan Exceptions to the No-Fault Law.
📣 Final Thought
Knowing how to file a Michigan mini tort claim empowers you to protect your finances. If you’re unsure about your current policy, consult your local agent for guidance.
