Mini-Tort (no, it't not a dessert!)

Many people who come in to our store ask about obtaining a mini tort.  For those of you who don't know, the State of Michigan does not require drivers to carry collision coverage, however, you can recoup some of your out of pocket expenses if you are less than 50% at fault in a collision accident. You can get up to $500 back under the Michigan Mini-Tort.  This is another reason why it is important to get a police report when your involved in an accident (especially when you're not at fault!). 

Mini Tort Facts
recover up to $500
covers vehicle damage ONLY (no personal injuries)
you have 3 yrs. from the date of accident to file your mini tort claim
motorcycles do not qualify for mini tort


How to file a mini tort you ask???
It's easy.  Make sure you know the insurance company of the person you were involved in an accident with.  Go to a collision shop and get an estimate, proving that damages are or exceed $500.  Then submit the police report and estimate to that person's insurance company and let them know you are filing for mini tort!