Michigan No-Fault Parked Vehicle Exception
I wanted to clarify something with everyone. As we know, Michigan is a no-fault state, but I came across information suggesting there’s an exception that allows you to file a claim through the other party’s insurance if they hit a parked car while you weren’t inside. Can anyone provide some insights on this?
Yes, you are correct that Michigan is a no-fault state, but there are exceptions to the no-fault rules, particularly when it comes to parked vehicles. If another driver hits your parked car while you’re not inside, you can file a claim with their insurance for damages, as their negligence caused the accident.
Since you were not in the vehicle at the time, you would not be claiming personal injury benefits through your own no-fault insurance, but rather seeking property damage for your car from the at-fault party’s insurance. Be sure to document the incident properly, including obtaining the other driver’s insurance information and any witness statements, which can help in processing your claim. It’s also advisable to consult with your insurance agent or an attorney for guidance specific to your situation.