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UNINSURED MOTORISTS

Uninsured and under-insured motorist insurance insures you in the event that the other party in an accident has no insurance or too little insurance to cover your damages. When you are injured in an accident and need to recover funds through uninsured and under-insured motorist insurance, you will pursue compensation from your own insurance company because the driver that hit you did not have insurance or did not have enough to fully compensate you for your losses and harms.
 

Uninsured motorist coverage is intended to compensate you for both your financial and your non-financial losses which you sustain, and for which you have a legal claim as a result of the negligence of an uninsured, underinsured, or hit-and-run driver. Financial losses would include any medical expenses to treat possible injuries (or a health assessment to check for injuries) as a result of an incident, any loss of income or earnings, any diminution in your ability to earn money in the future, or any assorted out-of-pocket expenses such as household and related help and assistance. Uninsured motorists and under-insured motorist is a factor some people do not consider when purchasing insurance. They usually want to keep the costs low and fall to seek out this information in their policy.

Non-financial damages include the loss of ability to enjoy or engage in certain activities as a result of injuries, pain and suffering, and other such subjective losses, which you are entitled to monetary compensation under the law. There is usually no exact formula to calculate the propriate amount of compensation for this factor, but insurance people and attorneys are often able to come to an amount based upon the severity of the injury and damages.

An uninsured driver under Michigan law has no PIP coverage, and therefore, no legal right to vital No-Fault benefits such as lifetime medical care, lost wages and in-home nursing services (attendant care), even when they are completely innocent and injured by someone else. Worse still, they are also barred from suing the “at-fault” driver who causes a car accident, a draconian measure that our state courts have already upheld as constitutional.

  • 1,520,000 drivers who have no auto insurance in Michigan (2012 study)

Sources of compensation for accident injuries/losses
involving uninsured motorist
  • Owners and drivers of any vehicle on the road may be liable for the conduct of the driver and abiding by the traffic laws in each state. These car owners may range from the parents of drivers under the age of 18 to company entities providing their employees or contractors with automobiles. to aid them in their job.
  • Uninsured Motorists coverage may exist under your and/or your passengers’ policies, which can provide additional sources of compensation in a car accident under certain circumstances.
  • Insurance companies
  • Employers have the responsibility for any traffic/auto accident caused by their employees during the time of performing their job.
  • Lost wages if you take time off form your job, sick leave or a vacation time to recover from injuries due to an accident, we may be able to get compensation for this time away from work.
  • Wrongful Death
  • Pain and suffering
  • Medical expenses
  • Impairment of earning capacity
  • Life care expenses
  • Vocational rehabilitation
  • Loss of consortium (the services of an injured spouse)

  • Loss of advice including comfort, assistance, protection, counsel, companionship