Q: Does car value effect mini tort laws in Michigan?
Insurance is telling my daughter her 2007 kia rio is only worth 1200 yet her estimates range from 4700 to 5200 to repair. So they claim they only have to pay out 1200. I cant find anything that says either way for a minitort claim.
A: Mini-tort is a remedy against an at-fault driver, not your insurance company. Your insurance company is effectively telling you the car is totaled, and they are only obligated to pay you what your car is worth, not how much it costs to fix it. This happens when the cost to repair exceeds the value of the car.
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