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Auto Accident 1.18.2022

Protect Your Family During Uncertain Times: Why You Must Have Uninsured Motorist Coverage

In Michigan, an estimated 20% of the people drive without car insurance. However, this percentage may be higher during the covid-19 pandemic because more people may not be able to afford auto insurance coverage on their vehicles. That’s why you need to protect your family from these uninsured car accidents. Uninsured motorist (UM) coverage can help protect you and your family so that you are able to recover after a car accident without losing a lot of money. You need to understand that to drive on Michigan roads you need auto insurance, but 20% of the people break the law. Michigan law does not require uninsured motorist coverage. You must elect uninsured motorist coverage. 

We recommend that all drivers must buy at least the following minimum auto insurance coverages for their vehicles:

  • Bodily Injury (BI) liability: $250,000 per person and $500,000 per accident
  • Property Damage (PD) liability: $1,000,000 per accident
  • Uninsured Motorist (UM) Bodily Injury: $250,000 per person and $500,000 per accident
  • Underinsured Motorist (UIM) Bodily Injury: $250,000 per person and $500,000 per accident
  • Unlimited Medical (PIP) coverage (You can coordinate with health insurance to save some money)

Despite the requirement for insuring motor vehicles in Michigan, you should not rely solely on the other driver’s bodily injury liability limits.

Why Is Uninsured Motorist Coverage Important?

Let me explain. God forbid, if you’re ever hurt in a serious car wreck. You are transported from the accident scene by ambulance to a local Emergency Room, where the ER physicians order x-rays and CT Scans to determine the nature and extent of your injuries. Once you’re discharged from the hospital, you require additional medical care from such healthcare professionals as a neurosurgeon, orthopedic, a chiropractor, pain management, physical therapy, cognitive therapy, and so on. That $50,000 in minimum BI limits or $50,000 in PIP coverage will be gone on your medical bills alone, very likely  leaving some bills unpaid.

But what about your non-economic damages, i.e., pain & suffering, interference with quality of life, work or career disability, loss of enjoyment of life, etc?  What if there is no insurance coverage for the at fault driver. And that’s where your uninsured motorist (UM) insurance will pay for your damages.

Uninsured Motorist Coverage in Michigan

Michigan auto insurance companies offer uninsured motorist coverage for a very reasonable price, well worth paying for. Here another uninsured motorist scenario:

What if you are injured by hit and run driver? Who is going to pay for your pain and suffering, if you don’t know who the hit and run driver was? What if you don’t even have any information to identify the hit and run vehicle?  What this means is your uninsured motorist (UM) coverage will kick in to pay what the hit and run driver caused in damages up to your UM policy limits. Do you get the picture?

Unfortunately, people who buy auto insurance sometimes don’t understand the importance of uninsured motorist coverage in Michigan. If you read this blog article you will understand why it’s critically important to have uninsured motorist coverage in Michigan. You need to protect yourself and loved ones from someone else’s lack of insurance, so just buy it. 

Put Our Uninsured Motorist Expertise to Work for YOU!

If you’ve been involved in a car wreck, and you’re getting the run around from your insurance company adjuster about your uninsured motorist (UM) coverage claim, call 866-HIRE-JOE to set up your free consultation with one of our experienced car accident lawyers. Just Google “Joseph Dedvukaj” or “car accident attorney near me” or “injury attorney near me”. We can come to you or have a confidential ZOOM meeting. We can handle your car and truck collisions in any part of Michigan, ranging from fatalities to catastrophic injuries, with and without UM coverage, throughout Michigan.  The sooner you contact us after your collision the sooner we can help you receive the proper medical treatment, and your claim is handled in the manner to achieve the best results for you.

Give us a call at 866-HIRE-JOE or click to schedule a free consultation with one of our experienced personal injury attorneys now.

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The Joseph Dedvukaj Firm, P.C represents Michigan clients in a full range of personal injury matters. If you have been injured, contact us for a free consultation.
The information on this website is for general information purposes only. Nothing on this site should be taken as advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute a client relationship.
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