Car crashes into Lansing home near MLK and Kelsey Avenue
A car crashed into a home Tuesday evening, leaving significant damage to the front of the house. No one was injured, authorities said.
The Lansing Police Department said the crash happened about 5:40 p.m. Oct. 27 near Martin Luther King Jr. Boulevard and Kelsey Avenue. Emergency crews responded, and a tow truck was at the scene.
Police believe speed may have been a factor. Authorities said no arrests had been made, and the crash remained under investigation.
Who pays when a car hits a home in Michigan?
Michigan's property protection insurance can pay for accidental damage a vehicle causes to someone else's home in Michigan. These no-fault benefits don't require proof that the driver was negligent, although coverage remains subject to statutory conditions and exclusions.
Under MCL 500.3121, benefits are based on the lower of reasonable repair costs or replacement costs minus depreciation, plus the value of lost use when applicable. Payments under one policy are capped at $1 million for all property damage from one accident.
A property owner generally starts with the insurer of the owner or registrant of a vehicle involved in the crash. Insurers of the vehicle's operator come next in the statutory order. If the insurer disputes coverage or the amount owed, ask for its explanation in writing so the reason can be reviewed.
The separate mini-tort remedy applies to certain vehicle damage not covered by insurance, rather than repairs to a home. Michigan Legal Center's explanation of Michigan mini-tort claims describes that vehicle-damage remedy and its limits.
Get help from Michigan Legal Center
Michigan Legal Center: the Law Offices of Christopher J. Trainor & Associates can review whether a crash-related insurance dispute falls within Michigan Legal Center's practice areas.
If a vehicle damaged your home, contact Michigan Legal Center to ask whether help is available for your situation.
There is no attorney fee unless money is recovered for you. Case costs and fee terms are governed by the written fee agreement.