Uninsured / Underinsured Motorists

Nearly 20% of U.S. drivers have no motor vehicle insurance.

Luxon & Zang, your expert Michigan auto accidents lawyers, are pleased to

provide you with this information on uninsured motorist claims in Michigan.

Do you know nearly 20% of U.S. drivers have no motor vehicle insurance? Being involved in a car accident with an uninsured or underinsured motorist poses a challenge when seeking recovery for losses. 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.


The purpose of this video is to help you understand what courses of action are available to you if you’re involved in an accident with a driver who is not insured or has very limited insurance coverage.

Click thumbnail to view video & learn more about uninsured and underinsured motorist benefits.

If you are involved in an accident with an uninsured or underinsured motorist, two claims arise from the accident.

First, you file a claim for no-fault benefits.

No-fault benefits include payment to you for your lost wages, medical expenses, medical transportation, and payment to family members to provide care for you as a result of your injuries.

  • No-fault benefits are paid by your automobile insurance company.
  • If you did not have insurance. your no-fault benefits are paid through the state of Michigan’s Assigned Claims Facility or other available insurance.

Second, you can file an uninsured or underinsured motorist claim benefits.

Your claim for uninsured or underinsured  motorist benefits is made through your own insurance company.

  • Uninsured or underinsured motorist pay you for all of your injuries including your pain and suffering, disfigurement and disability.  These benefits also pay for wage loss over and above the wage loss benefits paid through your no-fault benefits.

Michigan uninsured and underinsured motorists laws are very complex.  Specialists on the insurance company’s side actively search for reasons to deny your claim.  The timeframe or statute of limitations in in which you have to file these claims is limited.  The experienced, knowledgeable Michigan auto accident lawyers at Luxon & Zang, P.C. can help you get the compensation you deserve.

If you or a family member are injured in an automobile accident with an uninsured motorist, contact Luxon & Zang, P.C. The Michigan automobile accident lawyers at Luxon & Zang have extensive experience litigating accidents involving uninsured motorists.

We offer a free initial consultation, and charge no attorney fees
until we recover compensation for your injury.

Contact Luxon & Zang Today