Uninsured/Underinsured Motorist Provision

Michigan Uninsured Motorist Coverage

By law, drivers in Michigan must carry liability coverage on their automobile, so that, if you are injured by the negligence of another driver, you can collect damages based on the coverage that driver has on his automobile.   However, some drivers do not carry automobile insurance.   Unless you carry uninsured motorist coverage on your auto policy, if a driver who injures you does not have insurance, you cannot recover for your injuries.   Uninsured motorist coverage is a benefit available under most automobile insurance policies, but must be purchased separately.   Then, if the car that injures you does not have insurance, you can seek compensation from your own automobile insurance under the uninsured motorist coverage you have purchased.

Underinsured Motorist Coverage

Underinsured motorist coverage is also often available as an option under your automobile policy. This benefit provides coverage over and above the liability limits of the car that injures you. So, if the car that strikes you has $20,000.00 in insurance and you have suffered $100,000.00 of damages, you can seek the additional $80,000.00 from the underinsured motorist coverage from your own automobile policy.

How To Buy Car Insurance

Do not assume that you have full coverage on your automobile when you purchase insurance. There are many options available, including no fault personal protection insurance (PIP), underinsured coverage, uninsured coverage, and liability coverage. The amounts and types of coverages available vary and it is important that you know what you are buying, so that you are fully covered in the event you are injured in an accident. These coverages will also apply to passengers in your car and to family members injured by an automobile even if they are on a bicycle, a pedestrian, riding a bus or a motorcycle.
Conduct research on consumer complaints. See the Michigan Department of Labor and Economic Growth's website on insurance company complaint ratios, or ask a lawyer who has handled a significant number of motor vehicle accident claims.
Read the fine print in your policy. Some companies write policies with terms clearly described. Others bury unfavorable terms in the fine print. Your policy may make it difficult to collect benefits you have paid for, reducing the amount you are paid for an injury by any Social Security disability payments or medical insurance payments. You may be required to submit to mandatory arbitration to determine the amount of your recovery.
As personal injury lawyers, we at Logeman, Iafrate & Logeman, P.C., work to identify sources of compensation for clients who have been injured in motor vehicle accidents. We are committed to seeing that accident victims are treated fairly by auto insurance companies. If you have any questions about your policy or your claim, please feel free to contact us and speak to an attorney.
Free help with your no-fault insurance claim: Our firm is a leader in Michigan no-fault insurance law, and will, at no charge, fill out and file your claim for benefits under a no-fault insurance policy. Even if you do not have coverage yourself, our attorneys may identify another policy that provides coverage for injuries suffered in a car accident. Time is critical - - do this as soon as possible.

Attorneys at our firm help clients throughout Michigan with auto accident injury claims, and are committed to helping the injured recover full and fair compensation for the economic losses, pain, and suffering. Please feel free to contact the firm at any time for advice or for help with your auto accident injury claim.

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