Michigan Uninsured Driver Attorneys
Unfortunately, many negligent drivers who cause car accidents in Michigan do not have adequate insurance to cover the injuries they cause. Sometimes, they lack any insurance at all. As a result, the car accident victim can be stuck without any opportunity to receive compensation for the injury he or she sustained.
For this reason, it is very important every Michigan driver review their own auto insurance policy to determine of they carry Michigan no-fault insurance, including uninsured and underinsured motorist coverage. The Michigan uninsured motorist lawyers at the Lee Steinberg Law Firm highly recommend you purchase this coverage. In Michigan, this insurance is not mandatory. However, in many areas of the state more than 20% of drivers are operating uninsured cars.
What is Uninsured Motorist Coverage?
Uninsured motorist coverage is insurance a car owner purchases from his or her own carrier and provides a way to obtain pain and suffering due to the negligence of an uninsured driver.
Basically, if you are injured in a car accident and the negligent driver who caused the crash does not have car insurance, your own insurance company steps into the shoes of the uninsured driver and pays the pain and suffering. The claim is made against your own insurance company. Uninsured motorist claims only occur when the at-fault driver and owner of the at-fault vehicle do not carry car insurance.
Is Uninsured Motorist Coverage Expensive in Michigan?
In the grand scheme of auto insurance costs, uninsured motorist coverage is very affordable. The minimum amount a person can purchase is $50,000. The premium for that amount can be as low as $10 to $15 for six months of coverage. A higher coverage of $250,000 is usually a few dollars more.
I Don’t Have Michigan Uninsured Motorist Coverage, Can I Still Make a Claim?
Yes. Even if you don’t have car insurance of your own, you can still make an uninsured motorist claim. Often, the auto insurance must pay uninsured motorist benefits s to ALL occupants inside the vehicle at the time of the crash. This includes people not on the policy.
In addition, you may be covered under the auto insurance of relative you lived with at the time of the crash. This is why it’s important to contact a dedicated Michigan uninsured driver lawyer to find out if you are eligible for these benefits.
Can I Still Sue the Uninsured Driver?
Yes, the uninsured driver is still responsible for the injuries he or she caused. In fact, most insurance companies require that the uninsured driver is named in the lawsuit. When the uninsured motorist case is settled, the insurance company can decide if it wants to subrogate or try and collect reimbursement from the uninsured driver.
How Do I Make an Uninsured Motorist Claim in Michigan?
Setting up an uninsured motorist claim entails professional help. Our team of quality Michigan uninsured motorist lawyers and professional staff can make the process easy for you.
There are certain notice requirements set forth in the insurance policy that must be met and dealing with a car insurance company on your own, even your own car insurance company, can be difficult. You may even undermine your own case. For example, in a hit-and-run accident, many insurance companies require a police report to be made within 24 hours of the crash. Failing to do this can jeopardize the entire lawsuit.
How Do I Sue a Hit-and-Run Driver?
Hit-and-run crashes are very frustrating. Not only do you deal with the financial pain of a damaged vehicle, along with the injuries and medical bills, but there is the reality that the bad guy may never get caught. When this happens, do not lose hope. The Lee Steinberg Law Firm team of Michigan hit-and-run accident lawyers have handled countless cases like this. We will do whatever it takes to try and find the bad actor.
We also review all possible insurance policies to determine coverage and the best possible outcome for our clients, no matter the situation.
Get the Best Uninsured Motorist Lawyers in Michigan
The Lee Steinberg Law Firm has been helping people obtain Michigan uninsured driver compensation for almost 50 years. Our experienced team of Michigan car accident lawyers and Michigan truck accident lawyers are experts. Call our law firm today and speak with our experienced Michigan personal injury lawyers. You pay nothing unless we win your car accident case. Let us help you by calling 1-800-LEE-FREE (1-800-533-3733).
