Originally posted by CarpePoon:
Originally posted by BlueMystique:
Originally posted by CarpePoon:
Originally posted by BlueMystique:
Property damage, which is what your car sustained would ultimately be paid for by the responsible party or their insurance company.


Wrong.. In MI everybody has to file through their own carrier unless it is a "hit while parked" incident in which you would be able to file though the at fault party.
If he has LIPD only, the most he can do is file for a mini-tort through the at fault carrier for a max of $500.
If you have Broad form collision coverage your golden.. won't have to pay a dime.



You are right about the MI No-Fault provision with respect to Property Damage but I don't know how Broad Form ultimately helps other than out of pocket following a loss, as the carrier can raise your rates based on frequency of loss. MI system is crazy!


That it is.. but from the looks of things he doesn't have a history of being in the wrong place at the wrong time. he's tagged not at fault. shouldn't have anything to worry about.



Not so, you can get rear ended 3 times and the carrier can raise your rates based on frequency of loss. Unless MI No Fault law contains a provision to the contrary, whenever a carrier pays out, they will take the loss into consideration with any other future loss within 3 years. MI insurance