What has changed regarding limited property damage liability (Mini-Tort) coverage?

For accidents that occurred before July 2, 2020, the maximum amount of damages available for a mini-tort claim was $1,000.00. Public Acts 21 and 22 of 2019 increased this maximum to $3,000.00 for accidents occurring after July 1, 2020.

To comply with this change, limited property damage liability coverage must pay up to $3,000.00 on a mini-tort claim for any accident occurring after July 1, 2020. This coverage amount will apply regardless of the date a policy was issued or any conflicting policy language.