What is Uninsured Motorist Coverage?
Uninsured motorist coverage is designed to protect people who have been involved in an accident with someone who do not have car insurance. It will pay for medical expenses that are caused by the uninsured driver. It will also protect you if you are involved in an accident with a hit and run driver.
Keep in mind that there are two types of uninsured motorist coverage. There are uninsured bodily injury coverage and uninsured property damage coverage policies. Uninsured bodily injury coverage will pay for lost wages, medical bills and other injury-related expenses. It will also cover damage that is done by the hit and run drivers. Uninsured property damage coverage will pay for the damages that are done to your car.
Car insurance is a requirement in every state, but there are many people who still go without it. In 2012, nearly 20 of drivers in Michigan are either uninsured or underinsured. That is why you need to have uninsured motorist coverage. If you are involved in an accident with someone who does not have any insurance coverage, then you could be forced to pay out-of-pocket.
Michigan Uninsured Motorist Coverage Requirements
Uninsured motorist coverage is not required by law in the state of Michigan. However, it is something that is highly recommended. An uninsured motorist policy may save you thousands of dollars if you happen to be involved in an accident. It is also important to note that uninsured motorist coverage is relatively inexpensive.
Wigod & Falzon
Getting involved in a car accident with an uninsured driver can be quite frustrating. That is why you need the help of Michigan no fault attorneys. Our car accident attorney in Southfield will review your case thoroughly. Our Southfield accident attorneys will also ensure that you receive the compensation that you deserve.