Michigan
Your AI Accident Assistant for Michigan.
We handle Michigan property-damage claims end-to-end — body shop, rental, total loss, diminished value, loss-of-use, and recovery dollars.
How Michigan treats your claim
- Total loss threshold
- 75% of fair market value
- Appraisal clause
- Available on request
- Diminished value (DV) recovery
- Recoverable
- Loss-of-use (extended rental)
- Recoverable as damages
- Statute of limitations
- 3 years
- Small claims cap
- $7,000
- Fault rule
- Modified 51% bar
- First-party PA license
- Not required for consumer DIY
TMT: a fixed % triggers a total loss.
MCL § 500.1224 (adjuster licensing) + MCL § 500.1226 ('adjuster for the insured' = PA contracts)
Dive deeper into Michigan
What Claimoe does for Michigan claims
- · Drafts every adjuster email for your approval, with Michigan-specific language and citations.
- · Calculates your diminished value using the 17c framework.
- · Tracks the 60-day appraisal-clause window and invokes it on your behalf when appropriate.
- · Files loss-of-use extensions if your rental cap expires before repair completes.
- · Watches your case 24/7 and only pings you when you need to decide.
Other states we cover
Drafted by AI · Michigan rules summarized for general information; not legal advice. We update each state as carriers and legislatures change. Source citations linked from your case dashboard.