Unfortunately, around 20 percent of Michigan drivers don’t carry the necessary insurance. When you’ve been seriously injured in a car crash with an uninsured motorist, how will you receive payment to cover your injuries? If you don’t have uninsured motorist coverage, you may need to sue the at-fault driver.
Medical bills are expensive, and while your insurance will cover you in the event of a crash, if your bills exceed the maximum coverage amount allowed by your personal injury protection (PIP) benefits, you could have to pay the remaining expenses out of your own pocket.
In this situation, a helpful way to recover your monetary losses is to hire a Detroit uninsured accident lawyer who can help you file a personal injury claim against the at-fault driver. Your attorney can help you get through this ordeal as quickly and painlessly as possible.
Filing an Uninsured Motorist Claim
Under Michigan’s no-fault system, all drivers are required to carry PIP insurance benefits to protect them in the event of an accident, regardless of who was at fault.
If, however, your injuries are greater than your PIP benefits will cover, you can pursue compensation from the at-fault driver’s insurance. What if the driver is uninsured, though?
This means that, if your injuries are substantial, you will be unable to recover damages unless you name the at-fault driver in a personal injury claim. If you purchase uninsured motorist protection, however, you will be covered if you are involved in an accident with an uninsured driver.
Regardless of your insurance coverage, your Detroit injury attorney can help you. We can assist you with the following:
- Filing a claim with your insurance company
- Filing a claim against the other driver’s insurance
- Filing a personal injury claim against an uninsured motorist
Filing a Personal Injury Lawsuit in Detroit
When you’ve been injured by an uninsured motorist in Detroit, a good option is to file a personal injury claim against the at-fault driver. If you don’t, you won’t be able to recover more than the maximum benefits your own insurance provider allows, and this is unlikely to meet all of your needs when you’ve been seriously injured.
Your Detroit uninsured accident attorney can assist you with recovering compensation for the following:
- Medical bills
- Pain and suffering
- Accident-related mental health issues
- Missed wages
- Lost enjoyment of life
Hire a Detroit Uninsured Crash Attorney
When you’ve been injured in a car wreck involving an uninsured driver, you can recover some of your losses by filing a claim with your insurance company. If your losses are greater than your PIP policy will allow, you may be able to file a personal injury claim against the at-fault driver.
A Detroit uninsured accident lawyer with Christensen Law can give you the best chance to recover your damages, including non-economic damages like pain and suffering, which are not available under PIP policies. Call us at 248-213-4900 or complete the form below to schedule a free, no-pressure consultation.