With the number of uninsured drivers and riders in Michigan today, many people are involved in crashes with motorists with no insurance coverage. However, even under these circumstances, an innocent driver might be able to recover compensation for their losses. Virtually all auto insurance companies sell “uninsured motorists coverage” as part of a standard policy. This coverage, also referred to as “UM Coverage,” provides insurance for pain and suffering settlements in the event of a collision caused by a driver without a liability policy on their vehicle.

If you were involved in a crash with a driver with no auto insurance coverage, you might benefit from reaching out to a lawyer who is well-versed in Michigan uninsured motorist accident claims might prove to be helpful. After a wreck, you are likely to be traumatized and unsure of your legal rights. By working with an experienced attorney at Buckfire & Buckfire, P.C., you could have help assessing your circumstances and decide the best path available to pursue compensation.

Insurance Requirements

All state residents are legally required to carry auto insurance, according to Michigan Compiled Laws § 500.3101. Therefore, when an accident occurs, each party can seek compensation from their own insurance company for medical bills and other out-of-pocket expenses through the state’s no-fault insurance system. This applies no matter who is to blame.

However, to pursue compensation against an at-fault driver in a civil lawsuit, an injured claimant must be able to demonstrate fault. Because of these different legal paths, it could prove beneficial for anyone injured in a crash to reach out to a Michigan uninsured motorist accident lawyer for help if the other driver does not have insurance.

Legal Options After a Collision with a Driver Lacking Insurance

Despite the legal obligation to carry auto insurance, many drivers get behind the wheel with no insurance or without being properly insured. If so, insured motorists could find themselves facing fewer legal options if they are involved in a crash with an uninsured driver. However, to help prevent this, any driver can purchase uninsured motorist coverage from their insurance carrier. With this in place, the insurance company would, essentially, take the place of the driver who caused the accident when an injured motorist files a claim.

Through this coverage, a person could recover both economic and non-economic damages up to their policy limit. This policy is meant to protect innocent drivers, passengers, bicyclists, and pedestrians in the event of a crash. If an injured person does not carry this insurance, but another family member living in the same household as the injured motorist does, it might still apply.

If, however, a driver’s insurance policy is not in effect at the time of a crash, the chances of recovering compensation could be significantly reduced. As a result, anyone involved in an accident with an uninsured motorist might benefit from the counsel of a Michigan lawyer.

Retain a Lawyer for Help with Michigan Uninsured Motorist Accident Claim

It is essential to have a dedicated and seasoned lawyer on your side if you were injured in a car accident with an uninsured motorist in Michigan. A tenacious attorney could help to investigate your caim and review of your insurance policies to determine how to best proceed. Beecause there are very strict time limitations in pursuing a claim, we recommend that you contact our legal team immediately.

Many injury victims have uninsured motorists coverage and underinsured motorists coverage that allow them to receive more money if the negligent driver had only the minimum policy limits. An attorney at Buckfire & Buckfire, P.C. could review all possible insurance policies to determine which coverages exist in order to fight for the best possible settlement.

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