What Is Form A245‑MI (10/17)?
The Form A245‑MI (10/17) is a Michigan Department of Insurance and Financial Services (DIFS) document used in auto insurance claims. It is the "Vehicle Damage Report" that insurers and law enforcement complete after an accident. The code 10/17 refers to the specific version and date of the form's revision.
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When and Why It Is Used
After a motor vehicle collision, the police officer or the insurance adjuster fills out the A245‑MI to capture:
- Driver and vehicle details
- Accident circumstances (time, location, weather)
- Damage assessment
- Liability determination
This form becomes the official record that the insurer uses to process the claim, calculate liability, and determine repair estimates.
Key Sections of the Form
The A245‑MI is divided into several mandatory fields:
| Section | Purpose |
|---|---|
| Part 1 – Accident Details | Basic facts: date, time, location, weather. |
| Part 2 – Vehicle Information | Make, model, VIN, and registration. |
| Part 3 – Driver & Passenger Info | Name, contact, insurance policy numbers. |
| Part 4 – Damage Description | Specific parts damaged, severity. |
| Part 5 – Witness Statements | Names and contact info of witnesses. |
| Part 6 – Officer/Adjuster Signature | Verification of accuracy. |
How It Impacts Your Claim
The data entered on the A245‑MI directly influences:
- Liability assessment: who is at fault.
- Coverage limits applied: bodily injury vs. property damage.
- Repair estimates: based on documented damage.
Incomplete or inaccurate information can delay settlement or lead to disputes.
Common Misconceptions
Some drivers think the A245‑MI is a form of insurance policy. It is not; it is a reporting tool. It does not affect your premium unless the claim is filed and the insurer adjusts your risk profile.
Alternatives and Related Forms
In Michigan, the A245‑MI often accompanies other documents:
- Form A247‑MI – Claimant's Statement.
- Form A246‑MI – Police Report.
These forms together create a comprehensive record for the insurer.
How to Access and Submit the Form
Most insurance companies provide an online portal where the A245‑MI can be filled electronically. If you're filing a claim through a third‑party adjuster, they will submit the completed form on your behalf.
Tips for Accurate Completion
• Double‑check vehicle identification numbers (VIN).• Record exact damage measurements.• Include all witness contact details.• Keep a copy for your records.
What to Do If You Notice Errors
Contact your insurer or the adjusting officer immediately. Corrections are usually accepted if made promptly, but delays can result in claim denial.