My Car Was Burned and is a Total Loss Now?
Reader’s Question:
I live in Detroit, Michigan, Last night somebody burned my car and it was a total loss, I just want to know if it is true that I can get five hundred dollars from my car insurance company with mini tort?
James
Detroit, MI
The mini-tort or the limited property damage liability, provision of the no-fault law creates another case in which you can sue or be sued. If you are 50% or more at fault in a crash and damages to the other party’s vehicle are not completely covered by his or her auto insurance, then under the mini tort you may be sued and may have to pay up to $500 in damages- meaning you may sue the other motorist for damages to your vehicle which are not covered by your car insurance if the other motorist is 50% or more at fault.
Since your vehicle was burned and not damaged in a vehicular accident where there is another motorist to be found at-fault, and therefore no one to sue for the mini-tort amount of $500.
For your vehicle to be covered by your insurance company at all you would need comprehensive coverage on your car insurance policy. Your vehicle being burned should fall under this comprehensive coverage to cover your vehicle for vandalism and fire.
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