When you sit down with an auto insurance salesperson it might feel like they just keep tacking on more insurance. But even if you are trying to keep costs down you don’t want to skimp on Uninsured Motorist Coverage. Auto Accident Attorney David Christensen explains why:
Even though the law requires Michigan motorists to carry no-fault automobile insurance, there are still many drivers out there without it. They risk the ticket to save money and put everyone on the road at risk.
That’s because if you get into an accident with an uninsured or under-insured motorist, you could be stuck paying for the damage to your car, lost wages beyond what is covered by your own first party no-fault insurance, and other damages. In addition, you probably won’t be able to recover for your pain, suffering, disability, or emotional distress.
Any time there is a serious motor vehicle accident, the at fault driver can be sued for these damages that go beyond the Michigan No Fault Act. But when that driver doesn’t have insurance even a judgment from court won’t guarantee you will receive any money. If the driver doesn’t have the funds you could be out of luck.
That is where uninsured motorist coverage comes in to play. If you are in an accident with an uninsured motorist, your own insurance provider can act like that driver’s insurer and pay you for those damages, saving you the trouble of chasing after an individual defendant who may not have the money to pay you.
Paying the extra premium for uninsured motorist coverage now could be the difference between receiving proper compensation and being left empty handed should something catastrophic happen. That’s why auto accident attorney David Christensen at Christensen Law in Southfield, Michigan, encourages Michigan drivers to get the additional coverage to protect them and their families. If you or someone you love has been in an accident with an uninsured motorist, contact Christensen Law today for a free consultation.