MI HB5102

Increases the damage limit for motor vehicle property damage claims (mini-tort) from $1,000 to $5,000 under section 3135(3)(e) of the Insurance Code.

Requires damages to be assessed on a comparative fault basis, with no recovery allowed for parties more than 50% at fault in motor vehicle injury cases.

Restricts noneconomic damage recovery to cases involving death, serious impairment of body function, or permanent serious disfigurement; defines "serious impairment of body function" as an objectively manifested impairment affecting a person's general ability to lead their normal life.

Makes questions of whether an injured person suffered serious impairment or disfigurement questions of law for the court when there is no factual dispute or when disputes are immaterial, except for closed-head injuries where physician testimony creates a question of fact for the jury.

Eliminates most tort liability for vehicles with required security in effect, except for intentional harm, noneconomic damages meeting the threshold, economic losses, and vehicle property damage claims; takes effect 90 days after enactment.