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Uninsured & Underinsured Motorist Claims Over 100 Years of Collective Experience

Michigan Uninsured Motorist Accident Attorney

Injured in a Car Accident Caused by an Uninsured or Underinsured Motorist in MI?

At Grewel Law, we understand the stress and confusion that can arise after being involved in an accident, especially when the other driver does not have insurance or lacks sufficient coverage. In such cases, uninsured (UM) and underinsured motorist (UIM) claims can provide critical compensation to help you recover. Our Michigan uninsured motorist accident lawyer is here to guide you through the process, protect your rights, and pursue your entitled settlement or award.

What is an Uninsured Motorist (UM) Claim?

An uninsured motorist (UM) claim is a type of coverage that applies when you're involved in an accident with a driver who does not carry any insurance. Michigan law requires all drivers to carry auto insurance, but many people still drive without it, putting others at risk. If you are hit by an uninsured driver, you may be left with medical bills, vehicle repair costs, and other damages without a clear way to recover financially.

UM coverage steps in to fill this gap. With UM insurance, you file a claim with your own insurance company to recover the compensation you would have sought from the at-fault driver. This coverage can include:

  • Medical expenses
  • Lost wages
  • Pain and suffering
  • Property damage

At Grewel Law, we help clients navigate the complexities of filing a UM claim. From gathering evidence to negotiating with insurance companies, our experienced Michigan uninsured motorist accident lawyers are here to ensure you receive fair compensation.

What is an Underinsured Motorist (UIM) Claim?

An underinsured motorist (UIM) claim comes into play when the driver who caused your accident has insurance, but their policy limits are too low to cover your damages. Michigan requires drivers to carry certain minimum amounts of liability insurance, but serious accidents can easily exceed these limits, leaving you responsible for the remaining costs.

UIM coverage allows you to file a claim with your own insurance company for the difference between the at-fault driver’s coverage and the full amount of your losses. For example, if your medical bills and other damages amount to $100,000 but the at-fault driver only has $50,000 in liability coverage, your UIM insurance can help cover the additional $50,000.

Our team at Grewel Law is skilled in handling UIM claims and will fight to ensure you receive full compensation for your injuries and losses. We will work diligently to investigate your claim, negotiate with your insurance provider, and protect your rights throughout the process.

Why You Need UM/UIM Coverage in Michigan

Michigan is a no-fault state, meaning that in most cases, your own insurance covers your immediate medical expenses and other losses, regardless of who caused the accident. However, the no-fault system has limitations, and there are scenarios where you may still need to pursue compensation from another party. This is where UM and UIM coverage becomes essential.

UM and UIM insurance provide added protection in cases where the other driver is uninsured or underinsured. Without this coverage, you may be left paying out of pocket for substantial costs, such as:

  • Long-term medical care or rehabilitation
  • Permanent disability
  • Loss of future income
  • Property damage

In Michigan, while UM/UIM coverage is optional, it is highly recommended given the number of uninsured and underinsured drivers on the road. Having these protections in place can make a significant difference in your financial recovery after an accident.

Contact us today at (888) 211-5798t to request a free consultation and discuss your case with our team.

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How to File a UM/UIM Claim in Michigan

  1. Report the Accident: The first step is to report the accident to your insurance company and the police. Make sure to provide as much information as possible about the other driver, including whether they had insurance or sufficient coverage.
  2. Gather Evidence: Collect all relevant documentation, including medical records, repair estimates, and witness statements. The stronger your evidence, the better your chances of a successful claim.
  3. File the Claim: Once you have reported the accident, you will need to file a UM or UIM claim with your insurance company. This involves submitting all necessary paperwork and proving the extent of your damages.
  4. Negotiate the Settlement: Insurance companies often try to minimize payouts, even when you’re filing a claim under your own policy. Our legal team will work to negotiate a fair settlement on your behalf, ensuring you receive the compensation you are entitled to.
  5. Pursue Legal Action if Necessary: If the insurance company refuses to offer a fair settlement, we are prepared to take your case to court to pursue the compensation you deserve.
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Common Challenges in UM/UIM Claims

Filing a UM or UIM claim is not always straightforward. Some common challenges include:

  • Disputes Over Fault: Insurance companies may dispute who was at fault in the accident or claim that you were partially responsible, which can reduce your compensation.
  • Coverage Denials: Insurers may deny your claim altogether, arguing that the policy does not apply to your situation or that you failed to meet certain conditions.
  • Low Settlement Offers: Even when a claim is accepted, insurance companies may offer a settlement that is far less than what you deserve.

At Grewel Law, we have extensive experience dealing with insurance companies and overcoming these obstacles. We will fight tirelessly to protect your rights and secure a fair outcome in your UM or UIM claim.

Contact us today online or at (888) 211-5798 for a free consultation to discuss your case and learn more about how we can help you. Let us put our experience to work for you and ensure you receive the compensation you are entitled to under Michigan law.

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