Accident With Uninsured Motorist In Michigan
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FAQ
This is very important for two reasons: (1) Because UIM insurance is not mandatory under the No-Fault law, your UIM auto insurance company has the authority to set whatever deadline it wants for the filing of UIM claims; and (2) Your UIM auto insurance company may try to set a shorter filing deadline than the three- ...
Whereas collision and comprehensive coverage will cover physical damage to your car or truck, only uninsured motorist coverage in Michigan will cover pain and suffering compensation and “excess” No-Fault medical benefits as a result of a car accident caused by an uninsured driver.
California law does not require you to carry uninsured motorist (UM) or underinsured motorist (UIM) coverage—so, legally, you don't need either one. However, UM/UIM is an important and commonsense coverage to carry.
If you have been in an accident with an uninsured driver in California, you still have the right to secure any damages you may be owed. California law requires all drivers to carry auto insurance, so the uninsured driver may face legal consequences for not securing coverage.
It may be better to file a claim with your own insurance company if you have uninsured motorist coverage. Unless the at-fault driver is stable financially or has well-off parents or guardians and can afford to cover your damages in full, you may want to avoid the unnecessary trouble of suing.
If the at-fault party is uninsured, the insurer may pursue subrogation against the driver personally.
To put it simply, if a driver has no insurance, your insurance company can't make a claim against them. But there are other ways to recover damages. The first option is for your insurance to subrogate the claim, meaning they'll sue the other driver.
Cons of UM/UIM Coverage One of the notable drawbacks of opting for UM/UIM coverage is the accompanying increase in insurance premiums. While this may seem like a financial trade-off, the peace of mind and the level of financial protection it offers in the face of unforeseen events often justify the higher costs.
