The Importance of Uninsured and Underinsured Motorist Coverage in Michigan
Have you ever been involved in a car accident caused by a driver who didn’t have insurance or didn’t have enough insurance to cover your damages? If so, you know how frustrating and financially devastating it can be. That’s why it’s crucial for Michigan drivers to understand the importance of uninsured motorist (UM) coverage and underinsured motorist (UIM) coverage.
What is Uninsured Motorist Coverage?
UM coverage protects you and your passengers if you’re injured in an accident caused by a driver who:
- Doesn’t have any car insurance.
- Is a hit-and-run driver.
- Drives a vehicle that is stolen.
What is Underinsured Motorist Coverage?
UIM coverage kicks in when the driver who caused the accident has insurance, but their coverage limits are not enough to cover your losses. For example, if the other driver has $20,000 in liability coverage, but your damages exceed that amount, your UIM coverage will help pay the difference.
Why is This Coverage Important in Michigan?
Michigan has a high rate of uninsured drivers. According to the Insurance Research Council, approximately 21% of Michigan drivers are uninsured. This means that there’s a significant chance you could be involved in an accident with an uninsured driver.
What Should You Do If You’re Involved in an Accident with an Uninsured or Underinsured Driver?
- Seek medical attention immediately.
- Contact the police.
- Gather information about the other driver and their vehicle.
- Contact your insurance company to file a claim.
How Can Rasor Law Firm Help?
If you’ve been injured in an accident caused by an uninsured or underinsured driver, our experienced car accident attorneys can help you:
- Investigate the accident.
- Gather evidence to support your claim.
- Negotiate with insurance companies.
- Represent you in court if necessary.
Don’t let an uninsured or underinsured driver ruin your life. Contact Rasor Law Firm today for a free consultation.
Disclaimer: This blog post is for informational purposes only and should not be construed as legal advice. The laws regarding uninsured and underinsured motorist coverage can be complex, and it’s important to consult with an experienced attorney to discuss your specific situation.
