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 completely. 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 extremely important every Michigan driver review their own auto insurance policy to determine if they carry Michigan no-fault insurance including uninsured and underinsured motorist coverage.
The Law Offices of Lee Steinberg highly recommends you purchase uninsured motorist coverage and underinsured motorist 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 required in Michigan is $20,000. However, many drivers fail to pay their insurance premium, allowing coverage to lapse and leaving the injured person with no compensation for their medical bills and other damages.
What is Uninsured Motorist Coverage?
Uninsured motorist coverage is optional 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 does not have any car insurance, your own insurance company steps into the shoes of the uninsured, at-fault driver, and pays the claim. The claim is made against your own insurance company. Uninsured motorist claims only occur when the at-fault driver and owner of at-fault vehicle do not carry car insurance.
I Don’t Have 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. Typically, 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 uninsured 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 uninsured driver compensation for over 40 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 personal injury lawyers. You pay nothing unless we win your Michigan auto accident case. Let us help you by calling 1-800-LEE-FREE (1-800-533-3733).