Michigan Accident Guide

The Michigan Accident Guide

More than 297,000 traffic crashes occurred in Michigan in 2015 involving more than 510,000 vehicles and 601,000 people. Sadly, of the more than 900 people died in those crashes, 166 were pedestrians, 141 were on motorcycles, and 33 were cyclists. More of these, the most vulnerable road users died in 2015 than at any time during the ten years prior. If you or your family members are involved in a crash in Michigan, it is important to know the laws and how they may affect your eligibility to recover damages for your injuries and losses.

What is the statute of limitations for car accident injury and loss claims in Michigan?

The statute of limitations for personal injury, property damage, and wrongful death is 3 years in Michigan, but there are exceptions to the rule that can stop the clock from ticking. Read More

What are the comparative negligence laws for Michigan?

Michigan comparative negligence laws allow for claims even if you played a role in the crash. However, if you are 51 percent or more at fault in the accident, your claim will be barred. Read More

What is the ‘serious injury’ threshold for Michigan?

According to The Insurance Code of 1956 in Section 500.3135 of Michigan Law, serious impairment is an injury that affects the injured person’s general ability to live his or her normal life. Read More

Does Michigan recognize mini-tort, full tort, or limited tort law for car accident personal injury claims?

Michigan recognizes mini-tort law for car accident claims. The law allows you $1,000 max recovery or your deductible, whichever is less. Read More

Does Michigan recognize the ‘safety belt defense’ where damages are reduced if you aren’t wearing a seatbelt at the time of the accident?

Yes, your damages can be reduced if you were not wearing your seatbelt as mandated by law, and were injured in a car accident. Read More

Can you bring injury claims against the government for motor vehicle accidents caused by road hazards?

Yes, if you were injured in a crash caused by government negligence, you can file a claim for compensation, but it is difficult due to Sovereign Immunity. Read More

Can bicyclists injured in accidents caused by poor road conditions or road hazards file a claim against the government?

Yes, but Sovereign Immunity can make it very difficult to sue the government for negligence. Read More

What are the minimum auto and motorcycle insurance requirements in Michigan?

Michigan requires vehicle owners to carry a minimum of 20/40 coverage; $20,000 per person and $40,000 total per event of liability coverage. Read More

How do I file a collision report in Michigan?

Michigan requires that you report accidents that cause injury or property damage to the nearest or most convenient police officer or police department. Read More

How do I get a copy of my collision report?

You can get a copy of your accident report by speaking with the local police department where the report was filed, or by ordering it from the Traffic Crash Purchasing System. Read More

Does Michigan have special driving laws for teens?

Yes, teens under the age of 18 must complete the Graduated Driver’s License program before getting full driving privileges in Michigan. Read More

Do Michigan traffic laws differ from its neighboring states?

Yes, Michigan has laws that differ from Wisconsin, Indiana, and Ohio. In fact, there are 9 state laws that all drivers should be familiar with. Read More

What are Michigan’s mature driver laws?

Michigan does not have specific laws for aging drivers. However, the state enacted PA 354 and PA 355 which allow doctors to notify the Secretary of State if they believe a medical condition is limiting a driver’s ability to operate a vehicle safely. Read More

What information do I give other drivers in an accident?

The Michigan Accident Checklist is available for you to download and print. This checklist details exactly what information you should gather and what information you should give to other drivers if you are involved in a collision. Read More

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