Michigan's mini-tort law is one of the most misunderstood parts of the state's unique auto insurance system. Here's a clear explanation of what it is and how it affects you.
Jun 1, 2026
Michigan's no-fault insurance system limits your ability to sue another driver after an accident. But there's one important exception: mini-tort. Mini-tort allows you to recover up to $3,000 for damage to your vehicle if the other driver was more than 50% at fault for the accident.
This is a small claims court action — you're not suing for injuries, just for uncompensated vehicle damage.
You can file a mini-tort claim when:
The maximum recovery is $3,000. You file the claim against the other driver directly — or against their insurer if they have liability coverage.
If you carry collision coverage with a $500 deductible, mini-tort allows you to recover that $500 from the at-fault driver. This makes carrying collision coverage even more valuable in Michigan — your out-of-pocket exposure after an accident can be minimized.
Michigan drivers can also be sued for up to $3,000 under mini-tort if they're found more than 50% at fault. Some auto policies include mini-tort liability coverage; make sure yours does.
Mini-tort only covers vehicle damage, not injuries. It doesn't apply to accidents on private property. And collecting can be difficult if the other driver is uninsured or disputes fault.
Clutch Risk can review your current policy and make sure you have the right coverage for Michigan's unique legal environment. Call 269-400-4834 or email go@clutchrisk.com.