YOUR RIGHTS
Insurance Claims Made Simple.
We handle the entire insurance process so you can focus on getting back to normal. No paperwork, no stress, no surprises.
Understanding Michigan No-Fault Insurance
Michigan operates under a no-fault insurance system, which means your own insurance company is responsible for paying your vehicle repair costs — regardless of who caused the accident. This system was designed to speed up claim resolution and ensure you get your vehicle repaired quickly.
Under this system, your collision coverage pays for vehicle repairs. If the other driver was at fault, Michigan’s mini-tort provision allows you to recover up to $3,000 for your deductible and other out-of-pocket expenses from the at-fault driver’s insurance company.
Most importantly, Michigan law guarantees your right to choose any licensed repair shop. Your insurance company cannot force you to use their “preferred” shop. At Buff X Collision, we advocate for your vehicle and ensure it receives the OEM-standard repairs it deserves.
Our Process
Claims Process, Step by Step
Call Us First
Contact Buff X Collision immediately after an accident. We dispatch free towing and start the process right away.
We File Your Claim
Our insurance liaison contacts your insurance company and files the claim on your behalf. No paperwork for you.
Adjuster Inspection
The insurance adjuster inspects your vehicle at our facility. We present a detailed, OEM-standard repair estimate.
Claim Approval
Once approved, we negotiate for every dollar needed to restore your vehicle properly. We never cut corners.
Precision Restoration
Your vehicle enters our repair process with real-time updates at every stage of the restoration.
Final Inspection & Delivery
After a thorough quality check, we deliver your vehicle looking and performing like new. Insurance pays us directly.
What to Bring
When you visit our shop or speak with our insurance liaison, having these items ready will speed up the process:
- Insurance policy number and carrier name
- Police report number (if available)
- Photos of the damage (if you have them)
- Other driver's insurance information
- Driver's license and vehicle registration
- Tow receipt (if you arranged your own tow)
Common Questions
Insurance FAQ
What is Michigan no-fault insurance?
Michigan's no-fault insurance system means your own insurance company pays for your vehicle repairs and medical expenses, regardless of who caused the accident. This system is designed to speed up the claims process and reduce litigation. Your policy's collision or mini-tort coverage will apply depending on the circumstances of the accident.
Who pays for my collision repair?
Under Michigan's no-fault law, your own insurance policy covers your vehicle repairs through your collision coverage. If the other driver was at fault and you have mini-tort coverage, you may be able to recover your deductible (up to $3,000) from the at-fault driver's insurance. We help you navigate this process to maximize your coverage.
Can I choose my own repair shop?
Absolutely. Michigan law guarantees your right to choose any licensed collision repair facility. Your insurance company cannot require you to use a specific shop from their 'preferred' or 'direct repair' network. You have the legal right to bring your vehicle to Buff X Collision regardless of what your adjuster may suggest.
How long does the insurance claims process take?
Most insurance claims are approved within 1-3 business days after the adjuster inspects your vehicle. The actual repair timeline depends on the extent of the damage and parts availability. We keep you updated throughout the entire process and work directly with your insurance company to avoid unnecessary delays.
What if my insurance company lowballs the estimate?
Insurance companies sometimes issue estimates that don't cover the full cost of proper repairs. At Buff X Collision, we write detailed, line-by-line estimates based on OEM repair procedures and negotiate directly with your insurer on your behalf. We fight for every dollar your repair needs — at no extra cost to you.
Do I need a police report to file a claim?
While a police report isn't always legally required in Michigan, we strongly recommend filing one. A police report provides official documentation of the accident, which strengthens your insurance claim and protects your rights. If the accident happened on private property, you may still file a report at the local police station.
We handle the paperwork. You get your car back.
Get a free estimate and let us handle the insurance process from start to finish.