Underinsured / Uninsured
In the United States, nearly 20% of drivers have no car insurance. Being involved in a car accident with an uninsured motorist poses a challenge when seeking recovery for losses. However, you do have options. In many cases, it is difficult to file a claim against an individual with no insurance, because their assets are not enough to justify litigation.
If you are involved in an accident with an uninsured motorist, you potentially have two claims that could develop from the accident. First, you can file a claim for no-fault benefits. These benefits cover damages for lost wages and medical expenses. If the other driver involved in your accident had no insurance, you can file a no-fault claim through your own insurance company. If you did not have insurance you can also file a no-fault claim through the Michigan Assigned Claims Facility.
In addition to a filing a no-fault claim you can file an uninsured motorist claim through your own insurance policy. Uninsured motorist coverage covers all non-economic damages such as pain and suffering or disfigurement. With an uninsured motorist claim you can seek recovery for damages over and above those you may seek with a no-fault claim.
Michigan uninsured motorists laws are very complex because they deal with a specialized team on the insurer’s side trying to belittle or deny your claim. An attorney with knowledge and experience in dealing with uninsured motorist claims can provide assistance to help you get the compensation you deserve.
The timeframe in which you can file these claims is limited. If you or a family member is a victim of an automobile accident with an uninsured motorist, contact Luxon & Zang, P.C. The automobile accident attorneys at Luxon & Zang have extensive experience handling lawsuits accidents involving uninsured motorists. We offer a free initial consultation, and charge no attorney’s fee until we recover compensation for your injury.