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When a person is struck by a motorist without insurance, it can cause serious problems for the injured party. The injured person can sue the at-fault driver and, if a judgment is rendered against them their license is suspended until they pay. Unfortunately, people who flout the law by driving without insurance might have no issue driving with a suspended license, leaving the injured party the bear the full cost of their injuries.
In order to prevent this from happening, Michigan drivers should consider adding Uninsured Motorist Coverage (UM) to their auto insurance. This is generally an inexpensive addition to a policy but provides significant assistance to the injured person. With UM coverage, the insured party will have coverage up to their own limits when they are injured by an uninsured driver. They can then submit a first party claim to their insurance company to cover their damages.
Another addition that people may also want to consider is Underinsured Motorist Coverage (UIM). With this coverage, if they at-fault party’s insurance coverage is insufficient to cover damages, the injured person can submit a first party claim under their UIM coverage. Again, this is generally low cost coverage that can be extremely valuable after an accident. If you do not currently carry these two types of coverage, it may be a good idea to speak to insurance agent about adding them.
Even though these are first party claims, however, the insurance company vigorously defends against paying them. An experienced attorney can fight to get you the money you are owed under your insurance.
At Davis Law Center, we have helped many clients with both UM and UIM claims. We will aggressively work to make sure that you receive every penny you are owed. This way, you can be made as whole as possible after an accident. To learn more, contact Davis Law Center today for a free consultation.