Unfortunately, many negligent drivers who cause a Michigan car accident, Michigan truck accident or Michigan motorcycle accident do not have adequate insurance to cover the injuries they cause. Sometimes, they lack any car 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.
As a result, it is extremely important every Michigan driver review their own auto insurance policy to determine if they carry either uninsured or underinsured motorist coverage.
The Law Offices of Lee Steinberg highly recommends you purchase these two forms of insurance coverage. In Michigan, they are not required, but due to the astounding number of drivers operating on Michigan roadways without adequate insurance, they are a necessity.
The minimum bodily injury insurance coverage in Michigan is $20,000. However, many drivers fail to pay their insurance premium, allowing coverage to lapse and leaving the accident victim with nothing.
What is Underinsured Motorist Coverage?
Underinsured motorist coverage is insurance a car owner purchases from his or her own car insurance carrier. Basically, if you are injured in a car accident and the person who caused the accident has coverage that is less than what your injuries are worth, your own insurance company steps in and pays the difference. The claim is made against your own insurance company.
For example, if the at-fault person only has $20,000 in liability insurance, but you sustained injuries that exceed this low $20,000 liability coverage, you may look at your own car insurance policy, through underinsured motorist coverage, to provide additional compensation for your injuries.
I Don’t Have Underinsured 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 underinsured motorist claim. Typical insurance companies responsible for paying in these situations include the carrier for the car or truck you occupied at the time of the accident or your resident relative’s car insurance company.
What Should I Do?
Setting up an underinsured motorist claim entails the professional help of an attorney.
There are certain notice requirements 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. The Law Offices of Lee Steinberg has been helping people obtain Michigan underinsured motorist compensation for over 40 years. Our experienced team of Michigan car accident lawyers and Michigan truck accident lawyers are experts.
Call our office today. You pay nothing unless we win your Michigan car accident case. Let us help you by calling 1-800-LEE-FREE (1-800-533-3733).
Ask Lee Free
Q:Why is underinsured motorist (UIM) coverage so important?
A:Because of how expensive car insurance has become, there is a very high risk the at-fault driver was uninsured or underinsured. UIM coverage provides protection against drivers with little insurance coverage.