If you have been injured in a motor vehicle accident that was caused by someone else, you typically expect to be compensated for your damages by that individual. However, if they were uninsured, receiving compensation can get complicated. A Michigan uninsured motorist accident lawyer can help you navigate the complex claims process to determine your best route for pursuing maximum compensation.
If the driver responsible for your injuries does not have insurance, you will need a Michigan car accident lawyer to fight for your rights after your accident. Our skilled uninsured motorist accident attorneys at White Law PLLC will investigate your accident and determine all possible options you have to collect compensation. We can help you determine how to proceed after your uninsured motorist accident.
Motor Vehicle Insurance Requirements in Michigan
All owners of a motor vehicle are required by Michigan law to have certain liability insurance coverage. There are specific coverages that are mandatory and others that are optional. Mandatory no-fault insurance coverages in Michigan include personal injury protection (PIP), property insurance protection (PPI), and residual liability insurance, including bodily injury (BI) and property damage (PD).
A driver who fails to obtain these mandatory no-fault insurance coverages can be fined and imprisoned. Further, they can be held personally liable if they are involved in an accident. Consult with an uninsured motorist accident attorney in Michigan to determine your options for obtaining recovery after a collision with an uninsured driver.
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When You Can Sue After an Uninsured Motorist Accident in Michigan
Michigan’s no-fault law protects individuals from being sued for motor vehicle accidents. The theory behind this law is that limiting lawsuits will help benefits be paid more quickly and equitably. There are certain circumstances under the state’s tort threshold law when you may be able to file a lawsuit against the person responsible for your accident, however.
- If the uninsured motorist causes the death of your loved one
- If the uninsured motorist causes serious impairment, such as spinal cord damage, head injuries, or amputations
- If the uninsured motorist causes permanent serious disfigurement
- If the uninsured motorist acted intentionally
A Michigan uninsured motorist accident attorney can review all potential options you have for obtaining compensation for your injuries. It is wise to consult with our personal injury lawyers at White Law PLLC for guidance on how to proceed with your uninsured motorist accident claim. Even though Michigan is a no-fault state, you may have additional options for obtaining recovery after your accident.
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Insurance Coverages that May Apply to a Michigan Uninsured Motorist Accident
There are certain mandatory and optional insurance coverages that may provide compensation to you for the injuries and other losses you incurred in your uninsured motorist accident. If the driver responsible for your accident were uninsured, you would have to rely largely on your insurance coverage for payment. The coverages that may contribute to your damage compensation after your collision include the following:
Personal Injury Protection
PIP insurance coverage is mandatory and pays for certain expenses you may incur after your uninsured motorist accident, regardless of who was at fault. For example, it will pay your reasonable and necessary medical expenses with no maximum limit. It will also pay a certain amount of lost wages for up to three years and up to $20 per day in replacement services.
Collision Insurance
Collision insurance is an optional coverage that can help pay for the damage to your vehicle after an accident with an uninsured motorist. This coverage pays for repairs to your vehicle when it is damaged in a collision. Your deductible is based on your percentage of fault in your accident and varies depending on the level of collision insurance you choose.
Uninsured Motorist Coverage
Uninsured motorist coverage is an optional coverage that pays for injuries you have obtained in your uninsured motorist accident. It does not cover property damage. However, it may provide compensation for excess economic damages, such as your pain and suffering. The amount this coverage will pay depends on the level of coverage you purchase.
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Damages You Can Recover After Your Michigan Uninsured Motorist Accident
As discussed above, different insurance coverages may provide compensation for your injuries and vehicle damage up to your policy’s limits. You may also obtain payment from a legal claim if you are eligible under Michigan’s tort threshold law. Regardless of the manner in which you are compensated, the following damages are those for which you may be able to receive monetary relief for the injuries and losses you sustained in your uninsured motorist accident:
- Excess medical expenses
- Lost wages
- Pain and suffering
- Loss of body function
- Disfigurement or amputation
- Disability
- Loss of enjoyment of life
- Loss of companionship
- Humiliation
While it is difficult to obtain several of these economic and non-economic damages because of state law, an uninsured motorist accident lawyer in Michigan can help you obtain maximum compensation. Our experienced attorneys at White Law PLLC are knowledgeable regarding the state’s insurance laws and the requirements for filing a lawsuit to obtain damages for your injuries. We will exhaust all possibilities for compensation after your accident.
You will always work directly with your attorney throughout your case.
Time Frame for Obtaining Compensation After Your Michigan Uninsured Motorist Accident
Whether you obtain compensation for the injuries you sustained in your uninsured motorist accident through your insurance company or a lawsuit, it is important that you meet the required deadlines for your claim. Your auto insurance policy asserts specific reporting and claim deadlines. Further, the statute of limitations for filing a personal injury lawsuit in Michigan is generally three years from the date of your accident.
How a Michigan Uninsured Motorist Accident Lawyer Can Help You
The laws pertaining to motor vehicle accidents in Michigan are complex. It can be difficult to determine who will compensate you for the injuries you suffered in your accident. It becomes even more complicated when the responsible party is uninsured.
Our uninsured motorist accident lawyers at White Law PLLC can help you navigate the confusing insurance coverage that affects damages relating to your accident. Contact us today for a free consultation to discuss your accident and the injuries and losses you have suffered. We can negotiate with the insurance company and file a legal claim when possible to help you obtain the compensation you deserve after your accident.
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