Michigan Uninsured Motorist Accident Attorney

Injured in a Car Accident Caused by an Uninsured or Underinsured Motorist in MI?

At Grewel Law, we understand the stress and confusion that can arise after being involved in an accident, especially when the other driver does not have insurance or lacks sufficient coverage. In such cases, uninsured (UM) and underinsured motorist (UIM) claims can provide critical compensation to help you recover. Our Michigan uninsured motorist accident lawyer is here to guide you through the process, protect your rights, and pursue your entitled settlement or award.

What is an Uninsured Motorist (UM) Claim?

An uninsured motorist (UM) claim is a type of coverage that applies when you're involved in an accident with a driver who does not carry any insurance. Michigan law requires all drivers to carry auto insurance, but many people still drive without it, putting others at risk. If you are hit by an uninsured driver, you may be left with medical bills, vehicle repair costs, and other damages without a clear way to recover financially.

UM coverage steps in to fill this gap. With UM insurance, you file a claim with your own insurance company to recover the compensation you would have sought from the at-fault driver. This coverage can include:

• Medical expenses
• Lost wages
• Pain and suffering
• Property damage

At Grewel Law, we help clients navigate the complexities of filing a UM claim. From gathering evidence to negotiating with insurance companies, our experienced Michigan uninsured motorist accident lawyers are here to ensure you receive fair compensation.

What is an Underinsured Motorist (UIM) Claim?

An underinsured motorist (UIM) claim comes into play when the driver who caused your accident has insurance, but their policy limits are too low to cover your damages. Michigan requires drivers to carry certain minimum amounts of liability insurance, but serious accidents can easily exceed these limits, leaving you responsible for the remaining costs.

UIM coverage allows you to file a claim with your own insurance company for the difference between the at-fault driver’s coverage and the full amount of your losses. For example, if your medical bills and other damages amount to $100,000 but the at-fault driver only has $50,000 in liability coverage, your UIM insurance can help cover the additional $50,000.

Our team at Grewel Law is skilled in handling UIM claims and will fight to ensure you receive full compensation for your injuries and losses. We will work diligently to investigate your claim, negotiate with your insurance provider, and protect your rights throughout the process.

Why You Need UM/UIM Coverage in Michigan

Michigan is a no-fault state, meaning that in most cases, your own insurance covers your immediate medical expenses and other losses, regardless of who caused the accident. However, the no-fault system has limitations, and there are scenarios where you may still need to pursue compensation from another party. This is where UM and UIM coverage becomes essential.

UM and UIM insurance provide added protection in cases where the other driver is uninsured or underinsured. Without this coverage, you may be left paying out of pocket for substantial costs, such as:

• Long-term medical care or rehabilitation
• Permanent disability
• Loss of future income
• Property damage

In Michigan, while UM/UIM coverage is optional, it is highly recommended given the number of uninsured and underinsured drivers on the road. Having these protections in place can make a significant difference in your financial recovery after an accident.

Contact us today at (888) 211-5798t to request a free consultation and discuss your case with our team.