No-Fault auto insurance systems allow accident victims to be promptly compensated for their losses. Michigan is a No-Fault state and has the highest limits available in the country. In a No-Fault system, an insured always reports the accident to their own insurance company for coverage of any losses or damages. In Michigan, those injured in auto accidents receive reasonable and customary medical coverage, as purchased on their auto policy, for injuries related to the auto accident, as well as substantial wage loss benefits. Collision and comprehensive coverages of your policy will cover damage to your vehicle. If the other driver is at fault, you may be entitled to a maximum of $3,000 in Mini-Tort coverage from them for damage to your vehicle that is not covered under your own policy, such as a deductible. Mini-Tort is an optional coverage that you can purchase for your policy.

If you are involved in an automobile accident, this section will explain what you should do and what you should expect our claims staff to do for you.