Read on to learn more about the different kinds of collision coverage in Michigan. To speak with a trusted car accident attorney in Michigan, call 1-866-22Not33 or reach us through our contact page today.
Vehicle owners in Michigan can buy 3 types of collision coverage, depending upon how much you want to spend, and what level of risk you are willing to take if your car is damaged. Here are the choices:
Usually not. The comprehensive rider on you auto policy pays for damage to your vehicle that is caused if it is stolen, or is damaged in an incident that doesn’t involve a collision, such as hitting a deer. But this doesn’t usually cover things like clothing or a booster seat that might be damaged in a collision, but aren’t part of the car itself.
Your collision coverage is the source of payment for damage to your vehicle that is caused by hitting or being hit by another vehicle.
You might be able to use your homeowner’s policy to pay for personal items in your car that are damaged in a collision. Remember, there will be a deductible on your homeowner’s coverage, and making repeated claims on any insurance policy is going to make your rates go up. You will also have a deductible on your comprehensive coverage if you use it to pay for non-collision damage to your vehicle. You have to decide if the cost of the deductible, plus the higher premium you might have to pay after making a claim justify using your insurance.
Don’t forget that personal items that are prescribed by a doctor, such as hearing aids or eyeglasses are medical devices that can be reimbursed under the no-fault portion of your coverage if they are damaged in a collision.
I know I can sue a driver who carelessly runs into me and hurts me seriously, but what happens if that driver hurt me on purpose?
Many people are hurt by drivers who intentionally crash into them after an argument, or during “road rage” incidents. If the other driver is at fault for crashing into you, and you are seriously hurt, you can still file a bodily injury claim against that person. Even if the other person’s car insurance says that it doesn’t cover intentionally-caused injuries, our courts have said that only applies to their injuries, not yours.
So while nobody wants to get into a situation where tempers flare, and people end up being run over or crashed into, the fact is that these incidents occur. You are not excluded from filing a body injury claim for pain and suffering against the other, so long as you were not the one who was at fault.
Remember, if you were not the person who caused the collision, you still get your no-fault benefits from your own car insurance or through the standard priority system that we have discussed elsewhere in this blog. It is important to note that if you get hurt in an accident that you caused on purpose, your auto insurance may refuse to cover your medical expenses or wage loss, because your injuries were not “accidental.”
This is yet another reason why you don’t want to get involved in road rage, no matter how justified you may feel your actions are at the time.
Source: 95 Mich App 213; MCL 500.3131; MCL 500.3135(3)(a); MCL 500. 500.3105(4)
Remember: the insurance company can place restrictions on who is allowed to repair your car, and how much the insurance company is going to pay. They are going to offer you what they consider the “fair market value” of your car, not what you think it is worth because of the extras you have added. Many disputes arise over the appraisal of damage to vehicles, and you have a few options besides simply accepting what the insurance company offers to pay without questioning that offer. Attorneys who work on automobile injury cases will be able to guide you through these disputes. Matz Injury Law is a personal injury law firm that specializes in auto accidents from cars to trucks and everything in between. If you or someone you know has been in an accident and needs a Car or Truck Accident Attorney, contact our team for a case evaluation today.