Mini Tort
By Taylor Johnson
What is Mini-Tort?
Mini-tort is a Michigan auto insurance law that allows a driver who is not at fault in an accident to recover out of pocket vehicle repair costs from the at-fault driver.
This applies when your vehicle damage is not fully covered by your own insurance policy.
How Much Can You Recover with Mini-Tort?
As of current Michigan law, mini-tort allows you to recover up to $3,000 for vehicle damage from the at-fault driver.
This amount typically applies to:
- Your deductible
- Repairs not covered by your collision coverage
- Damage when you do not carry collision insurance
When Does Mini-Tort Apply?
Mini-tort may apply if:
- You were not at fault for the accident
- The other driver was at least 50% at fault
- Your vehicle damage was not fully covered by your insurance
Mini-Tort Coverage at Elder Agency
At Elder Agency, we believe in protecting our clients from unexpected out-of-pocket costs. That is why we add Mini-Tort coverage on every auto policy we write.
Our goal is to make sure you’re covered when it matters without having to worry about overlooked details after an accident.
How Elder Agency Can Help
Understanding Michigan auto insurance doesn’t have to be overwhelming. At Elder Agency, we take the time to explain your coverage and help you choose a policy that fits your needs and budget.
If you have questions about mini-tort or want to review your current coverage, our team is here to help.
📞 Contact Elder Agency today for a personalized auto insurance review.