Michigan Underinsured/ Uninsured Motorist Coverage: Do You Need It?

car accident

Michigan residents are advised to have underinsured/ uninsured motorist coverage. Michigan is a no-fault state. After a car accident, you’ll typical receive no-fault benefits from your auto insurer. The at-fault driver’s insurer might owe you a benefit as well. But sometimes the benefit you receive isn’t enough compensation for your injuries and damages. Underinsured/uninsured coverage helps in this situation.

The Importance of Adequate Coverage

Michigan drivers are required to have $20000 worth of no-fault insurance. The policy is generally limited to $40000 per accident. What happens if your injuries and damages result in more than $40000 worth of expenses? Then the at-fault driver’s insurance doesn’t have to pay anything over that $40000 limit. But when you have underinsured motorist coverage, your insurer helps cover your remaining expenses. 

You still must have no-fault coverage, as Michigan law requires that. But underinsured coverage is purchased separately. You should also consider uninsured motorist coverage. Some drivers illegally drive on public roads without having auto insurance. Uninsured motorist coverage is for when you’re in an accident with one of those uninsured drivers. Southfield car accident attorneys can help you understand your rights concerning underinsured motorist claims. 

Filing a Claim Following Car Accidents in Michigan

For any injuries and damage you may have received in a car accident, the next step to take is to make a claim. Here are some things to expect in the claim process:

Report the accident – notify your insurance company you would like to make a claim, a claim adjuster will be assigned to your case. They will determine and estimate your losses and make an offer[. If you disagree with the offer an investigation will be made.

Investigating the accident – the adjuster will look into the injuries and damages you received. They will gather the evidence they need to determine if your claim has merit and what you policy will cover. They will make you an initial settlement offer. Talk to your Southfield car accident attorney whether to accept or deny the offer. If you deny the offer, negotiations begin.

Negotiations– you and your attorney present evidence of your injuries and prove your case is worth more than they are offering. Our skilled attorneys can ensure you obtain the payout you deserve.

Contact the experienced car accident lawyer in Southfield Michigan at Wigod & Falzon. Dealing with insurers is sometimes tough, but a reliable lawyer can state your case with ease. Get the help you need to get the compensation you deserve.