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A Michigan uninsured motorist accident lawyer will help if you are injured by a driver without insurance.  You may be entitled to a settlement if you are hit by a driver with no auto insurance at the time of the crash.

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.

Michigan Auto 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.

Can I Sue the Person without Insurance that Hit Me?

You can sue the negligent driver that hit you even if that person did not have car insurance.  Unfortunately, the likelihood of receiving fair compensation and a pain and suffering settlement is unlikely.  Most uninsured drivers have no insurance because they could not afford it, or are just not law-abiding citizens.

So even if you get a judgment against a driver with no auto insurance, it will be difficult to collect a penny on that judgment.  Hopefully, you have uninsured motorist coverage on your policy or live with a relative who has uninsured motorist coverage.  In that situation, you can get a bodily injury settlement.

Legal Options After an Accident with an Uninsured Driver

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 will benefit from the counsel of a Michigan lawyer.

How do I Make an Uninsured Motorist Claim?

If you were hit by a driver with no insurance and have uninsured motorist coverage available, you must notify the insurance company in writing of the claim.  An insurance adjuster will be assigned to the claim and will open a file.  It is smart to have an experienced Michigan car accident attorney handle this for you because there are many pitfalls in making these claims.

There are time limits for filing an uninsured motorist claim.  If you miss a deadline, your case will be lost forever.

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Get a Michigan Uninsured Motorist Accident Lawyer

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

An attorney at Buckfire Law will review all possible insurance policies to determine which coverages exist in order to fight for the best possible settlement.

Call us now to start your case.  We do not charge any legal fees unless you win a settlement.

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