Uninsured / Underinsured Motorist Attorney
If you are hit by an uninsured or underinsured driver in Michigan, your own UM/UIM coverage becomes the source of your pain-and-suffering recovery. The catch: UM/UIM is optional coverage, the policy language is technical, and the carrier — your own carrier — moves into an adversarial posture the moment you file the claim.
Haque Legal represents Michigan claimants in UM/UIM disputes from the initial demand through arbitration or trial. We pull the policy declarations, identify stacking opportunities where allowed, and confront the carrier's favorite tactics: low-ball offers, "your injuries don't meet the threshold" denials, and procedural traps around notice.
If the at-fault driver was uninsured, underinsured, or unidentified (hit-and-run), your own policy is the case. We will read it the way the carrier is reading it — and then push back.
Frequently Asked Questions
What happens if the driver who hit me is uninsured in Michigan?
If you are hit by an uninsured driver, you still collect No-Fault medical benefits from your own insurer. However, to sue for pain and suffering you must have Uninsured Motorist (UM) coverage on your own policy. Without UM coverage, you may be unable to recover non-economic damages from an uninsured at-fault party.— Haque Legal, PLC, Updated April 2026