Edit Legal Michigan Accidents Forms For Free

Review your policy again to confirm if you have limited collision or broad form coverage. The deductible is waived by law if you're not ?substantially at fault.? Unfortunately, you still need to pay the deductible if you only have standard collision coverage. This is regardless if you are 100% at fault or not.

If you are in a car accident in Michigan, it is always best practice to file a police report immediately at the scene of the crash, or at least within 24 hours of the accident.

Can you claim a car accident without a police report in Michigan? ing to Michigan law, if a car accident causes death, injury or property damage of $1,000 or more, the law mandates that a police report be filed. Depending on your insurer, you may not be able to claim a car accident without a police report.

Michigan is a No-Fault state, which means that a person's auto insurance company will pay for his or her medical expenses and lost wages after a car accident regardless of whether the person or someone else was at-fault for causing the crash. Auto No-Fault insurance is mandatory for all vehicle owners.

No-fault policies are not specific to the vehicle you are riding in at the time of the collision. Not only do no-fault benefits follow those named on a Michigan no-fault policy across state lines, but the policy also covers a person when riding in another person's vehicle.

The mandatory auto insurance coverages in Michigan under the No-Fault law include personal protection insurance which provides PIP benefits to car accident victims, bodily injury liability insurance in the event that a driver causes a car crash and property protection insurance.