An auto accident can have more victims than people in any of the cars. If a car crash happens on your property, you could suffer thousands of dollars in repair costs. That’s why Michigan no-fault law includes property protection insurance – to pay for damage done by vehicles.
The Need for Collision Coverage
The Michigan no-fault law can be confusing when it comes to property damage. Your no-fault insurance policy actually doesn’t cover most damage done to your vehicle. After an accident, you will need to file a claim under your optional collision coverage, instead of your no-fault policy. If you chose not to pay for collision coverage, you will probably have to pay for any damage done to your own vehicle.
When Your Vehicle is Covered
Sometimes, you will be able to claim property protection insurance benefits for damage to your vehicle. The Michigan no-fault act allows you to collect:
- Up to $1,000 for damage in a “minitort” lawsuit against the at-fault driver;
- If your vehicle was damaged intentionally (unless you caused the damage yourself);
- If the damage was caused by an uninsured motorist; and
- If your vehicle was reasonably parked when the accident happened.
What Else is Covered by Property Protection Insurance
Most of the time, property protection insurance gets involved when a vehicle damages something else. This could allow a claim for:
- Damage to your home, business, or real property;
- Damage to muscle-powered vehicles like bicycles;
- Damage caused by environmental risks like spilled gasoline.
When an accident happens on your property, you could be on the hook for all the clean up. Property protection insurance claims can provide up to $1,000,000.00 to pay these costs. The claims are filed against auto insurance policies covering vehicles involved in the accident.
The property protection insurance law excludes recovery for “Vehicles and their contents, including trailers, operated or designed for operation upon a public highway by power other than muscular power.” By carving out muscle-powered vehicles, the law allows for property protection insurance claims if your bike is damaged in a bicycle accident. This can save bicyclists hundreds, and even thousands of dollars to replace their bikes after a crash.
The attorneys at Christensen Law are trained to help property owners get compensated for damage done to their land, buildings, and personal property. We understand the law and can help you file the right claims. If you or someone you know is cleaning up after an accident, contact Christensen Law for a free consultation.