What is Michigans Mini Tort Exception and does it apply to motorcycles?
In Michigan you cannot pursue the other driver for damage to your vehicle (car truck van or motorcycle etc.). The no-fault law changed the ability to do so. The idea is if you want to have your vehicle fixed or replaced after an accident you have to buy collision coverage. If you do not, you’re out of luck. For “motor vehicles” (cars, trucks, vans, SUVs, RVs, buses, but not motorcycles) may obtain up to $500 from an at-fault driver or his insurance company. This is called the Mini Tort Exception. The idea is to reimburse the innocent driver for their deductible. Motorcyclists get shafted here. A motorcyclist is not entitled to this money. Therefore when you ensure your motorcycle know that you’ll not be able to collect your deductible from any other source. The two main exceptions are the other driver was uninsured and your motorcycle was recently parked one struck.
