Michigan No-Fault Parked Car Exception
Hello everyone, I wanted to clarify something regarding Michigan’s no-fault laws. I read that there’s an exception allowing you to file a claim with the other party’s insurance if they hit your parked car while you weren’t inside it. Can anyone provide more information on this? Thanks!
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Yes, you’re correct! In Michigan, while the no-fault insurance system generally limits your ability to sue another driver for damages resulting from an accident, there is an exception for accidents involving parked vehicles. If someone hits your parked car and you were not inside it at the time of the accident, you can file a claim against the at-fault driver’s insurance for damages to your vehicle.
Since you were not occupying the car, you would not be subject to the no-fault laws in the same way you would be if you were involved in the accident. Instead, you can pursue compensation for repairs or replacement of your vehicle through the liable party’s insurance policy.
It’s always a good idea to gather evidence from the scene, like photos and witness statements, and contact your own insurance provider to report the incident. They can help you navigate the claims process as well. If you have further questions or specifics about your situation, consulting with an insurance agent or attorney could provide you with more tailored advice.