Michigan Auto Accident Lawyer | Michigan Car Accident

What is Michigan Uninsured Motorist Coverage?

Even though Michigan law requires drivers to have automotive insurance, not everyone does. Maybe the uninsured could not afford the monthly premiums. Perhaps they simply forgot to make a payment on time and their coverage was terminated. Regardless of the cause, someone who doesn’t have vehicle insurance probably isn’t going to have money to pay for your injuries or property damages either. So where does that leave you? If you don’t have uninsured motorist coverage, it may leave you paying the costs of the accident, even if you were not at fault.

Purchasing uninsured motorist coverage (UMC) helps protect you if are involved in a “hit-and-run” situation or are hit by a negligent driver who did not have auto insurance coverage at the time of the accident to cover your losses related to bodily injury or personal property such as your car, your fence, or your cell phone. For a relatively inexpensive investment in this type of insurance policy, big costs are avoided later.

There are a couple types of uninsured motorist coverage you should be aware of:

  • UM bodily injury coverage, which includes pain and suffering
  • UM property damage coverage, which usually involves damage to your vehicle.

How To Get Michigan Uninsured Motorist Coverage

Talk to your insurance provider. You can purchase this type of coverage within your automotive policy. Be aware that there are various limits of coverage.

How Much Uninsured Motorist Coverage Should I Buy?

Before you commit to a low-limit policy, it’s important to realistically imagine what your costs might be if you had to replace your vehicle or became too injured to work. Would your medical insurance be enough? Consider worst-case scenarios. Many insurance companies recommend minimal coverage of $100,000 – $500,000.

Making an Uninsured Motorist Coverage Claim

Prompt reporting of the accident to the police and your insurance company is critical to receive full benefits of your uninsured motorist policy. Your insurance company should be notified within 24 hours of the accident. Insurance companies often have deadlines during which these types of claims can be made; some may be as short as 30 days. If you miss the deadline, you will miss your chance for receiving benefits.

In some instances, your insurance company may violate its duty to handle your legitimate claim as it should. This is called acting in bad faith.

We Can Help With Your Michigan Car Accident

Have more questions? Call our experienced staff of Michigan car accident lawyers and ask them for free by dialing 855-MIKE-WINS or contact us for a free consultation. Remember, NO FEES are charged until we settle your Michigan car accident case.


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