Michigan has unique state laws that affect how you can file a Total Loss Claim. Michigan is a “no fault state”, meaning regardless of who is at fault for the accident, you will need to file with your own insurance company.
This also means that your own policy limits will apply.
Because your own insurance company will be providing compensation, it is vitally important that your vehicles are properly covered. Any modifications to your vehicle should be documented, and additional coverage will likely be required to cover your custom equipment and upgrades/modifications.
MOST INSURANCE POLICIES ONLY COVER UP TO $1,000 OF CUSTOM EQUIPMENT, REGARDLESS OF HOW MUCH YOU HAVE INVESTED IN YOUR VEHICLE. IF YOU ARE CONCERNED THAT YOUR VEHICLE IS NOT PROPERLY COVERED, CALL US TODAY FOR A CONSULTATION!
We provide certified appraisals nationwide (Massachusetts excluded), including online appraisals in most circumstances.
