Last Updated on June 25, 2025 by The Insurance Pros

🚗 Michigan Auto Insurance Claims: What Drivers Need to Know in 2025

🔑 Introduction: Why Michigan Drivers Should Care About Claims

Every Michigan driver knows about no-fault auto insurance, but many don’t realize how much a claim can impact future premiums. Filing frequent or avoidable claims can lead to higher rates, non-renewals, or even limited insurer options.

This guide covers the most common Michigan auto claims and how to avoid them and includes a free downloadable glovebox checklist for what to do if an accident happens.

🛑 Most Common Auto Claims in Michigan (2025 Data)

According to the Insurance Research Council, Michigan’s top auto claims include:

  • Rear-end collisions (accounting for ~30% of accidents)
  • Single-vehicle crashes (ice, deer, distracted driving)
  • Parking lot fender benders
  • Windshield and glass damage from road debris

👉 Tip: Many of these can be prevented with safer driving habits, seasonal prep, and regular vehicle maintenance.

✅ Download: Michigan Driver’s Accident Checklist (Free PDF)

Printable Michigan Driver’s Accident Checklist with step-by-step instructions for handling a car accident.

  • ✅ Stay calm and check for injuries
  • ✅ Move to a safe location (if possible)
  • ✅ Exchange insurance and contact info
  • ✅ Document the scene with photos
  • ✅ Notify your insurance agent promptly

👉 Download the Michigan Driver’s Checklist PDF here

🛡️ Accident Prevention Tips for Michigan Drivers

🌨️ Winter Driving

  • Keep tires properly inflated and switch to winter tires if needed.
  • Slow down in snow, ice, or sleet. Michigan winters increase stopping distance by 25–50%.

🦌 Wildlife Collisions

  • Use high beams in rural areas at night.
  • Watch for deer crossings, especially in the fall and spring.

📱 Avoid Distracted Driving

  • Use hands-free devices or set your phone to “do not disturb.”
  • Even one text at 55 mph equals driving the length of a football field blind.

🛣️ Parking Lot Safety

  • Back into spaces when possible for better visibility.
  • Park away from congested areas to avoid door dings or scrapes.

🚀 Final Thoughts: Stay Safe, Save Money

Avoiding auto claims isn’t just about safety; it protects your driving record and keeps your insurance premiums stable. Use the checklist, follow prevention tips, and contact your Michigan insurance agent to review coverage or add valuable protections like roadside assistance or glass repair coverage.

📞 Call to Action

Need a free auto insurance review?
👉 Visit iMichiganInsurance.com or call 248-888-1134 for a customized review of your Michigan auto policy.

🔗 References & Resources