Michigan No-Fault Parking Exception
I wanted to clarify something with everyone: Michigan operates under a no-fault insurance system, but I came across information suggesting there’s an exception where you can file a claim through the other party’s insurance if they hit your parked car and you weren’t inside it. Can anyone shed some light on this?
Yes, you are correct! In Michigan, which is a no-fault state, the general rule is that your own insurance covers your medical expenses and damages regardless of who was at fault in an accident. However, there are exceptions to this, especially in cases where someone hits a parked car and the owner of that car was not inside it at the time.
In such cases, you may be able to file a claim against the at-fault driver’s insurance for damages to your vehicle, since their actions caused the accident. This is often referred to as the “parked car exception.” It’s important to gather all necessary documentation, such as photos of the damage, witness statements, and a police report if applicable, to support your claim.
Always consider consulting with an insurance agent or attorney to understand your specific situation and ensure that you navigate the claims process correctly.