In a recent article, "Uninsured-Driver Dilemma" found in the Wall Street Journal, 14% of drivers nationally are uninsured. The results from this study were done by the Insurance Research Council. While 14% may not seem like a high number, if you are a victim that was hit and injured in a car accident by one of those drivers that fall into that 14%, that number will hold quite some significance as you will be impacted detrimentally.
When a person is injured in a Michigan car accident as a result of another person’s negligence, the victim(s) typically file a lawsuit against the at fault driver’s insurance company to help compensate for their pain and suffering. However, if the at fault driver was driving without an insurance policy you now have to rely on your own insurance to help pay for your medical bills.
For this reason alone, it is very important that all Michigan drivers have uninsured motorist coverage on their insurance policy. Uninsured motorist coverage are contractual benefits a person is entitled to if they are involved in a motor vehicle accident where the at fault party is uninsured. Without this benefit on your insurance policy, you may not get the financial assistance you need to help pay for all medical bill expenses incurred due to the auto crash.
The State of Michigan does require all drivers in the State to have an automobile insurance policy. Unfortunately, not everyone follows the law and due to this reason many States are experimenting with harsher penalties to deter people from driving without insurance. Currently in the State of Michigan an individual will be charged with a fine if caught driving uninsured.
Our Michigan car accident attorneys recommend that you contact your insurance adjuster immediately to determine whether or not you have uninsured motorist benefits included in your policy. If you do not, we highly advise all residents to add the benefits onto their policy in case you or your loved one is involved in an accident with an uninsured driver.
To learn more about what uninsured motorist benefits are, watch this video below by one of our top rated Michigan car accident attorneys Daniel Buckfire.
If you or someone you care about was recently involved in an auto accident with an uninsured driver in the State of Michigan, call our top rated attorneys today to discuss your case. Our Michigan car accident lawyers will investigate your claim, including the review of your insurance contract. Often times, people do not even know that they purchased uninsured motorist coverage.
Do not wait to contact us as there are strict statute of limitations to filing an uninsured motorist claim and your case may be barred forever if you do not file a lawsuit within a certain time frame. In fact, some insurance companies, such as Farm Bureau, put a one year contractual provision in their insurance contracts which prevents injured victims from bringing uninsured motorist claims after the one year anniversary of the car accident.
For more information on how to file an uninsured motorist claim or to discuss your injury case with one of our top rated car accident lawyers in Michigan, call now at (800) 606-1717. We offer a free, no obligation case review where we will determine if you are eligible to file a claim. If you do have a case, we will represent you under our No Win, No Fee Promise. This means there are no legal fees or costs until we win or settle your claim.