You could contact the police and advise them of the false information. If the other driver does not have insurance, a likely reason he gave false information, you could file a claim in small claims court for the damages. Since Michigan is a no-fault state, if the other driver does have the required insurance, you could not pursue a damage claim against him. If you sued him in small claims court, he would have to prove he had valid insurance coverage at the time of the hearing. If he has valid insurance, you could only make a claim against your policy for damages to your vehicle. Since it appears the part not covered by your deductable is small, it may be to your benefit to just pay yourself and not make a claim against your policy. A claim against your policy could adversely affect your rates even if you were not at fault under a new rating formula used by many Michigan insurance companies.
Answered on Aug 15th, 2012 at 3:42 PM