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 article series Everything You Need To Know About Car Insurance Coverage in Michigan, we have discussed the more important aspects of insurance coverage in the State of Michigan.
To reiterate, 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 are the other penalties that you should expect?
When convicted for Driving without Insurance, you should expect many other challenges that will come your way. Other than the penalties that we have already discussed, there are also other penalties that you should prepare for and they are the following:
You will have to pay for your vehicle damage
You will have to pay for your vehicle damage. If you have an uninsured car and you decided to drive it in Michigan even if you were not the driver at fault that caused the injury or damage you will have to cover your expenses. You will not even be able to use the Michigan mini-tort law in recovering even the small amount of up to 3,000 dollars
You will be held personally liable for the injuries and death caused
In the instance that you are the one who caused the injury or the damage you will not just pay all of the other penalties and all of the things that you need but you also will be held personally liable for the injuries in the death caused by the accident. No matter how tragic the specific thing is you should keep in mind that you could be held personally liable for the injuries or the death that you caused.
What does personal liability mean?
You may be convicted for the criminal liability relating to the injuries and the death caused and you may also be held personally liable for the pain and suffering as well as the compensation or wrongful death. This is because you have no liability insurance that would have provided coverage to protect you and your family’s assets from civil liability. Your unwillingness or inability to get the insurance would affect not just your assets but your family’s assets as well.
You will pay other people’s medical bills
When you have been in an accident and you have been injured you already know that you will spend a lot of money and time getting better. Unfortunately, you will also spend a lot of money paying for the medical bills of other people. The individuals who are involved in your accident and who are facing injuries will need to be compensated for their medical expenses and you will be legally required to pay for the medical bills of anyone who was injured.
Generally, when an accident happens you will not be required to pay any damages because you will be compensated and covered by your insurance policy. In this instance, you will also have to pay the medical bills of the other parties involved in the accident but this will be covered by your insurance.
In the instance that you think that you do not need insurance to pay for the damages in case of an accident for your vehicle, you may want to think again. We repeat that you will have to pay for other people’s medical bills and all of the damages coming from the injury if you do not have any insurance on your vehicle. This is on top of the other liabilities and penalties that you have to endure.
You will pay other people’s lost wages
Other than paying for other people’s medical bills, you will also have to pay for the people’s lost wages. For the same reason that you are required to pay for the medical bills and have personal liability you are also personally liable to pay for other people’s lost wages
You will pay for other people’s vehicle damage
If you have been in an accident and you received the bill coming from other people for their lost wages and for compensation of their medical bills you will also receive a bill coming from their car shops covering their vehicle’s damage.
In a normal setting, you have to keep in mind that you will only need to pay for the deductibles that are covered by your insurance provider. Unfortunately, if you do not have any kind of insurance that covers the damages relating to your vehicle or in cases of injury everything that you have to pay for will be paid out of your pocket.
You may have other questions relating to the uninsured motorist coverage and how it affects you. The next part of this article series will be discussing the important aspects of your questions relating to uninsured motorist coverage in Michigan.
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.