Getting into an accident is stressful enough. But when the other driver is at fault, the situation can feel even more confusing—especially when it comes to getting your vehicle repaired. Who pays? Where can you go? And how can you make sure you’re not left footing the bill?
If you’re in Brownstown, Michigan, or nearby cities like Trenton, Southgate, Taylor, Woodhaven, Riverview, or Flat Rock, this article walks you through your options and rights when the other party caused the crash.
Step 1: File a Police Report
Even if the accident seems minor, always call the police and file a report. That official documentation is critical when filing a claim with the other driver’s insurance company.
In Michigan, you’re generally required to file a report if there is more than $1,000 in damage or if there are any injuries. That report will clearly state who was at fault, which helps support your claim and speeds up the repair process.
Step 2: Gather Information from the Other Driver
You’ll need the following details from the at-fault driver:
- Full name and contact info
- Driver’s license number
- Insurance company and policy number
- License plate number
- Photos of both vehicles and the scene
Even if the driver admits fault on the spot, don’t skip this step—it helps prevent disputes later when dealing with insurance.
Step 3: File a Claim with the At-Fault Driver’s Insurance
In Michigan, no-fault insurance covers your medical expenses, but vehicle damage caused by another driver’s negligence falls under Mini-Tort or property damage liability—depending on the details.
If the other driver is 100% at fault and has proper coverage, their insurance should pay for your repairs. You’ll need to:
- Contact their insurance company directly.
- Provide the police report and any photo evidence.
- Let them inspect your vehicle if required.
If they’re dragging their feet or denying your claim without good reason, you may need to get your own insurance company involved or speak with a lawyer.
Step 4: Choose Your Own Repair Shop – It’s Your Right
One common myth is that you must use the insurance company’s preferred body shop. Not true. In Michigan, you have the legal right to choose where your car gets repaired.
That means you can take your vehicle to a trusted local shop like The Collision Shop of Brownstown, where we prioritize quality, OEM parts, and lifetime warranties—not shortcuts dictated by insurance companies.
Step 5: Ask About Deductible Assistance
Even if the other driver is at fault, some insurance situations still leave you paying part of the repair cost—usually a $1,000 Mini-Tort limit. But don’t worry: some collision centers (like ours) offer deductible assistance or can help you understand how to reduce your out-of-pocket cost.
Step 6: What If the Other Driver Has No Insurance?
Unfortunately, not everyone follows the law. If the at-fault driver has no insurance, you may have to go through your own policy using:
- Collision coverage (if you have it)
- Uninsured motorist property damage coverage
- Legal action in small claims court (as a last resort)
In any case, having a local expert who can guide you through your options makes a big difference.
Why Choose The Collision Shop of Brownstown?
We’ve been helping Brownstown drivers for years with reliable, professional repair services after accidents. Our shop offers:
- Free estimates and inspections
- Help with insurance claims and paperwork
- OEM or quality reconditioned parts
- Lifetime warranty on all work
- Free loaner cars available during repairs
Proudly Serving Drivers From:
- Brownstown
- Trenton
- Southgate
- Woodhaven
- Riverview
- Taylor
- Flat Rock
- …and other Downriver communities!
Call Us for Help with Collision Repairs in Brownstown
If you’ve been in an accident that wasn’t your fault, you still deserve peace of mind. Let us handle the repairs and paperwork so you can get back on the road with confidence.
📍19810 Allen Road, Brownstown, MI 48183
📞 (734) 479-6611
🌐 www.thecollisionshopbrownstown.com
Don’t wait. Call The Collision Shop of Brownstown today and let our experienced team take care of everything—from insurance to final polish.
