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 uninsured and 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 required in Michigan is $20,000. However, many drivers fail to pay their insurance premium, allowing coverage to lapse and leaving potential accident victims with nothing.
What is Uninsured Motorist Coverage?
Uninsured 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 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. 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 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 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:How many Michigan drivers don’t have car insurance?
Recent studies have demonstrated that as many as 20% of all Michigan drivers do not have state mandated car insurance. Many people pay the minimum for their car insurance just to renew their license plate. If you are injured by one of them, and you don’t have uninsured motorist coverage, you could be unable to recover compensation for your pain and suffering