Accidents happen every day. Nobody can predict when an accident may happen. However, even if you cannot predict when the accident may happen, you may at least prepare for it.
In the United States, accidents are the third leading cause of death. For people between the age of 25 to 44, it is often the cause of death. Of course, this is why it makes sense to have a comprehensive insurance policy that could cover your needs, or your family’s needs when an accident happens.
Here at Haque Legal, it is our goal to make sure that you have the protection you need in times of trouble. We want to answer all of your questions and therefore we have created this article series that would discuss everything you need to know about car insurance coverage in the state of Michigan.
In this part, we continue our discussion on Everything You Need To Know About Car Insurance Coverage in Michigan: Uninsured Motorist Coverage. Let us continue.
What If I Have Insurance But I Cannot Provide Proof When Pulled Over?
There may be an instance where you have insurance but you cannot provide any proof of the insurance when you are pulled over. In this case, the police officer cannot assume that you are telling the truth and you will be charged with driving without insurance in Michigan.
The presumption can specifically be found in the law in Michigan. Specifically, MCL 500.3102(3) provides that if a person fails to produce evidence of the required automobile insurance when he or she is pulled over, there is “a rebuttable presumption… that the motor vehicle or motorcycle did not have” the necessary insurance at that time.”
What does having a rebuttable presumption mean? The rebuttable presumption means that when you are pulled over and you cannot show any documentation proving that you have insurance to police officers would not have any choice but to charge you and write you up.
The good thing is that the presumption is only rebuttable in even with the presumption you can show proof that you are short to prevent any further problems coming from the proceedings.
What if I Do Not Have Insurance But I Am Not At Fault?
If you do not have insurance there is no effect if you are not at fault or if you are driving safely. A lot of people tend to think that if they are driving safely, that they would not be held liable for any of the injuries or damage caused. This is rooted in the fact that people believe that if they do not have insurance and they drive safely they cannot be held liable because they are not at fault. This is a mistake.
The fact that you are driving without insurance is already evidenced enough to hold you liable for the misdemeanor of driving without insurance. Other than the misdemeanor we have already told you about all of the other penalties that you would have to face, specifically all of the costs that you have to endure out-of-pocket.
When you do not have insurance liability or the burden is on you and not on the person who may be at fault.
Where can I find the fact that the losses are born by the driver with no insurance?
It is provided under MCL 500.3177(1) that an “insurer that is obligated to pay personal protection insurance benefits for accidental bodily injury to a person arising out of the ownership, maintenance, or use of an uninsured motor vehicle as a motor vehicle may recover all benefits paid, incurred loss adjustment costs and expenses, and incurred attorney fees from the owner or registrant of the uninsured motor vehicle or his or her estate.”
If the other party that is the victim or that suffered injury or damage coming from the accident has uninsured motorist coverage the insurance company that paid the uninsured motorist coverage will have a ride to go after you who is the driver without any insurance.
If you have no insurance and you want to protect yourself, the next part of the article series will discuss the things that you need to do.
Contact Your Insurance Company And Your Lawyer
If you have been involved in a car collision in Michigan, make sure that you are protected. By contacting your insurance company, you will have what you need in terms of their decision and see if they just need a little nudge in the right direction.
If the answer of the insurance company is not positive on your claim, then you need to make sure that you will get going with your complaint.
But what if you do not have insurance, as in the topic that we have in this article? You need to get the right lawyer.
A lawyer can help you get started with your claim. A lawyer at Haque Legal will see to it that your needs are met from beginning to the end of the proceedings. You are always in good hands with Haque Legal and what it has to offer.
The article that you have read is based on general applications of the law. It is not legal advice and it is not to be construed as any legal consultation with the firm. No client-attorney relationship is created when you read the articles we have provided.
Let us help you out
If you are having trouble with filing an insurance claim or have been in an auto accident in Michigan, call us immediately. If you have any problem with the law or are seeking justice and truth, our numbers are standing by to take your call. If you have no insurance and are facing intense jail time, you need to seek our help as soon as possible.