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Uninsured Motorist Coverage In Michigan


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 begin our discussion on Everything You Need To Know About Car Insurance Coverage in Michigan: Uninsured Motorist Coverage. Let us begin.

The Situation

One of the most devastating facts that we have learned in our business is the fact that some individuals still decide not to get insured.

In the State of Michigan, around 21% of the drivers do not have the no-fault insurance that is required by law. Again, the no-fault insurance is required by law for an owner of a motor vehicle or an individual driving a motor vehicle. Some drivers in Michigan only get the minimum just to comply with the law while there are those that do not even try.  It is devastating to find out that almost a fourth of the people who are driving are not even insured while we have also discussed that some are underinsured.

What does this mean for you?

This means that if you are involved in a car crash in Michigan there is only that small portion that would be paid by the insurance of the other party or there is no insurance company that would pay you. You have a 1 in 5 chance that you will be unable to receive full compensation from the insurance.

There is also a significant risk that the people involved in crashes that do not have insurance will do hit and run and you will be unable to get any claims from their insurance. 

How do you protect yourself?

You will protect yourself through the process of getting your uninsured motorist coverage. This is the topic that we will be discussing in the next series of articles.

Use of our clients and potential clients would ask us about whether or not they can depend on the other party’s insurance to claim their compensation, especially for the payment of their medical expenses. While there are people who have the right insurance coverage that would pay for the claims and damages caused to a third party we cannot fully depend on that idea because some people do not even have insurance and this is where the uninsured motorist coverage in Michigan comes in.

Uninsured Motorist Coverage: An Introduction

The uninsured motorist coverage applies when there is an injured person by an at-fault driver who does not have any coverage to cover the damages to the injured person. It is also the insurance coverage that aims to protect the person who is injured in a hit-and-run accident and the driver just cause of unidentified while there is no insurance coverage to be found.

Do I need this even if I have insurance already?

The uninsured motorist coverage is needed when the injured person does not know where or who to claim their compensation from. Generally, the insurance policy that you have on your motor vehicle will cover any damages to the vehicle or any injuries caused to a third party or a passenger of the vehicle. When you have uninsured motorist coverage you are sure that your insurance company will be able to fill in the shoes of the supposedly other insurance company that should have paid you in the first place if it exists 

While getting an uninsured motorist coverage is not required of you and is certainly not necessary for you you need to make sure that you have it, especially when you need it. In the next series of articles, we will be discussing this optional insurance coverage that you may want to have for full protection. What are the legal rights and obligations under this coverage? What should you expect? We will discuss this thoroughly in the article series.

Contact Your Insurance Company

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.

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.

Disclaimer

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.