Michigan Lawyer Who Specializes Uninsured Motor Accident

When you think of uninsured motorist coverage, you might think that it’s only for the fortunate few who can afford it. However, if you’re a driver in Michigan or any other state, you might need UM insurance sooner than you think. Uninsured motorist coverage protects drivers from liability costs and medical bills if another driver fails to provide adequate insurance coverage.

Unfortunately, statistics show that approximately one in every 25 drivers on the road is driving without sufficient proof of financial responsibility. If you’ve been involved in an uninsured motorist accident in Michigan, it’s important to know your rights and understand how Uninsured motorist insurance can help protect you and your loved ones against future expenses if the other driver doesn’t have sufficient liability insurance.

What is UM coverage?

Uninsured motorist coverage (UM) is an optional coverage that most standard auto insurance policies provide. UM coverage compensates you if you’re involved in an accident with a driver who either lacks sufficient insurance or has no insurance at all. UM coverage may also be referred to as “UM/UIM,” depending on the state in which you live.

As a Michigan driver, you can choose between UM and UM/UIM policies. UM/UIM policies contain two separate types of coverage: UM/UIM coverage pays you when you’re hit by an uninsured or underinsured driver, while UM/UIM coverage pays you when you’re hit by a driver who has the state-required minimum amount of insurance.

Uninsured motorist coverage is important because a significant number of drivers on the road don’t have insurance. In Michigan, it’s estimated that almost 15% of drivers are uninsured. This means that there’s a high probability of being hit by an irresponsible driver, especially if you’re frequently driving in and out of Detroit.

Why does Michigan require UM coverage?

Because Michigan doesn’t require uninsured motorist coverage, you may be wondering why you should get UM coverage anyway. UM coverage shields you from being financially responsible for all of the costs associated with an accident in which you were not at fault. This includes costs like medical bills, car repairs, and any other financial burdens associated with being hurt in an accident.

If you don’t have UM coverage and you’re involved in an accident with an uninsured driver, you’re responsible for these costs. UM coverage can also protect you if you’re in an accident with a driver who has insufficient insurance coverage.

UM coverage comes in handy if you’re ever hit by a driver who doesn’t have insurance. Unfortunately, UM coverage isn’t mandatory, so some drivers may be driving without sufficient insurance coverage. This means that if you’re ever hit by one of these drivers, you’re responsible for covering the costs of the accident out of your own pocket.

See also  Free Florida Car Accident Lawyer Consultation - What You Need to Know

How to get UM coverage in Michigan

If you’re looking to add UM coverage to your auto policy, you’ll first need to speak with your auto insurance agent. UM coverage varies widely in price, depending on your individual circumstances. While UM coverage may seem like a luxury, it could help you save money if you ever get into an accident.

UM coverage protects you from costs associated with an accident in which you were not at fault, so it’s important to add this optional coverage to your policy if you can afford it. You may also want to consider UM/UIM coverage if you’re frequently driving in areas where many drivers are uninsured. UM/UIM coverage compensates you if you’re hit by an uninsured driver, so it’s important to consider how frequently you’re driving in Detroit and other high-risk areas.

What is the difference between UM and UMPD?

UM and UM/UIM are two different types of UM coverage. UM/UIM policies contain two separate types of coverage: UM and UMPD. UM coverage compensates you if you’re hit by an underinsured driver, while UMPD compensates you if you’re hit by an uninsured driver.

UM coverage compensates you for any costs associated with an accident in which you are at fault. UMPD, on the other hand, only compensates you if you’re hit by an uninsured driver. UM/UIM policies are more common in Michigan than UM policies. UM policies are less common because they require you to pay a higher premium than UM/UIM policies. UM policies are also more difficult to get approved for, so it’s typically easier to get UM/UIM coverage.

Can you recover from your own insurance company when you have UM coverage?

Yes, you can recover from your own insurance company if you have UM coverage and the other driver was at fault. UM coverage doesn’t change the fact that you were at fault for the accident. It’s important to understand that UM coverage will only compensate you for the costs associated with the other driver’s actions. If you have UM coverage and the other driver is at fault for the accident, you can recover from your own insurance company for any costs associated with your own actions.

See also  Why Do You Need A Lawyer If You're Involved In a ?

For example, if you’re in a car accident and your car is damaged, but the other driver is at fault, you can recover from your own insurance company for the costs associated with the repairs. However, if you have UM coverage and you’re at fault for the accident, you’re responsible for covering the costs associated with the accident yourself because your UM coverage won’t help you.

Can you recover from an uninsured motorist fund when you have UMPD?

Yes, you can recover from an uninsured motorist fund when you have UMPD coverage. UMPD only compensates you if you’re hit by an uninsured driver, so if you have UMPD and you’re at fault for the accident, you’re responsible for covering the costs associated with the accident yourself. UMPD is important because it can shield you from financial responsibility for accidents that you may not have the funds to pay for.

UMPD coverage will help you pay for the costs associated with the accident and avoid racking up debt that you can’t afford to repay. UMPD coverage is meant to help protect you from the costs of an accident in which you weren’t at fault, so it’s important to consider adding UMPD to your policy if you frequently drive in Detroit or other high-risk areas where many drivers are uninsured. UMPD coverage can protect you from the high costs of an accident and help you avoid taking out a loan that you can’t afford to pay back.

Tips for filing an UM coverage claim

  • In order to collect benefits under an UM policy, an injured person must show both (1) that the other driver was “uninsured” and (2) that the uninsured driver was at-fault in causing the car accident that resulted in the person’s injuries.

 

  • Identify and comply with the notice requirements in your UM insurance policy. Many auto insurance companies require injured persons to provide notification of a car accident within a certain period of time (frequently within 30 to 90 days of the date of the car accident). If notice is not provided – or if notice is provided late – auto insurance companies can deny coverage for a UM claim depending on the policy language. UM coverage is contractual, which means the policy language will control.

 

  • Identify and comply with your auto insurance company’s deadline for filing a claim for UM coverage benefits. This is very important for two reasons: (1) Because UM insurance is not mandatory under the No-Fault law, your UM auto insurance company has the authority to set whatever deadline it wants for the filing of UM claims; and (2) Your UM auto insurance company may try to set a shorter filing deadline than the three-year statute of limitations for most personal injuries (MCL 600.5805(2)), although insurance regulations that impose certain requirements on insurers when they make changes to the terms of their policies have made this practice less common. We strongly recommend you contact and review your UM policy contract language with an experienced Michigan auto accident attorney who can help you to comply with the contract language and so you do not unintentionally void your own UM protection.
See also  Choosing the Best Auto Accident Lawyer in Houston, Texas

 

  • In hit-and-run situations (where the at-fault driver has fled the scene, thus making it impossible to identify a source of liability insurance coverage), many UM auto insurance companies will require injured persons who seek UM benefits to prove there was “actual contact” between the hit-and-run vehicle and the injured person.

 

  • Watch out for “set-off” provisions in your UM coverage policy. Many auto insurance companies – especially Progressive – have included provisions in their UM policies allowing them to “set-off” or deduct from the UM benefits they owe any payments to the insured for No-Fault PIP benefits coverage of accident-related medical expenses and lost wages.

 

  • Read your UM policy carefully to find out if non-resident family members are covered and under what circumstances any such coverage may exist.

Conclusion

When you think of uninsured motorist coverage, you might think that it’s only for the fortunate few who can afford it. However, if you’re a driver in Michigan or any other state, you might need UM insurance sooner than you think. Uninsured motorist coverage protects drivers from liability costs and medical bills if another driver fails to provide adequate insurance coverage.

Unfortunately, statistics show that approximately one in every 25 drivers on the road is driving without sufficient proof of financial responsibility. If you’ve been involved in an uninsured motorist accident in Michigan, it’s important to know your rights and understand how UM insurance can help protect you and your loved ones against future expenses if the other driver doesn’t have sufficient liability insurance.

Be the first to comment

Leave a Reply

Your email address will not be published.


*