25800 Northwestern Hwy #850, Southfield, MI 48075

The Law Firm of Elia & Ponto
  • call Us Today
    (855) 75-EPLAW
  • Home
  • What We Practice
    • Michigan No Fault Insurance
    • Auto Accident
    • Social Security Disability
  • Our Team
  • Values
    • Types Of Accidents
    • Michigan No-Fault Benefits
    • Pedestrian Accidents
    • Do You Have A Michigan Car Accident Case?
    • How to File a Michigan Auto Accident Claim
  • Blog & Firm News
  • Contact Us
Get Help Now!

Michigan Uninsured Motorist Insurance in 2018

Michigan Uninsured Motorist Insurance in 2018
November 16, 2018
Blog
0 Comments

Michigan Uninsured Motorist Insurance in 2018

Michigan Uninsured Motorist Insurance in 2018Uninsured motorists make up a significant percentage of the driving population in Michigan. Approximately 20% of motorists lack valid insurance for their vehicles, and the number is potentially higher in communities such as Flint and Detroit. Most residents cite the high costs of insurance in the state to be the leading factor that hinders them from acquiring coverage. Nevertheless, the high number of uninsured translates to a higher probability of Michigan drivers getting into an accident with uninsured drivers. Some of the leading Michigan car accident attorneys work at our firm.

Lacking insurance is both illegal and risky for the driver and any passengers. Apart from the hefty fines and the potential for a jail term, the driver misses out from the benefits that come along with insurance covers. For instance, uninsured drivers cannot claim the benefits of Michigan’s no-fault insurance or make legal claims against the at-fault driver for monetary compensations. The driver will not be entitled to have any form of financial support that is directly related to the incidences of the car crash.

However, there is the case of being involved in an accident with an uninsured driver. Due to the high probability in Michigan, this is an issue of high concern. Insured drivers can get into accidents with uninsured drivers that may result in harm to passengers and damage to property. Additionally, there is the case of hit and run where the driver cannot be identified. In such cases, uninsured motorist insurance gives the victims an opportunity to claim compensation for suffering and damages. A leading Detroit car accident attorney at our firm can help you with filing a Michigan car accident insurance claim.

What does Michigan Uninsured Motorist Insurance Cover?

Uninsured Motorist insurance tries to cover the damages that arise from accidents with uninsured motorists. Drivers can acquire this type of insurance from their insurers to cater for compensation in the event of damage, injury or loss from an uninsured driver. Since the coverage is not mandatory for all, drivers have to make a conscious decision to purchase the policy to be part of their insurance. The coverage is either a minimum of $20,000, or $40,000 and varies upwards according to the coverage purchased. Most covers are inexpensive while still offering extensive coverage over some months. Speak with some of the leading Michigan car accident lawyers at our firm today. 

How to make Michigan Uninsured Motorist Claims

The procedure for initiating uninsured motorist claims is straightforward. Once named as a beneficiary of an insurance policy, making a claim is as simple as contacting your insurance provider. Unnamed individuals who can benefit are those who were passengers in the insured vehicle at the time of the accident with an uninsured driver. If the individual can prove their occupancy of the vehicle, they can claim the insured driver’s provider. Driving uninsured in Michigan is not a good idea as Michigan police can check your insurance using your license plate.

However, the claims made are subjected to the specific terms outlined in the insurance policy. Different insurance contracts may have varying obligatory clauses that must be adhered to before the claims are approved. The obligations involve the time limits for making the claim which when ignored can disqualify a claim. Moreover, only no-fault individuals are allowed to make a claim. In special cases where there is shared fault, for a claim to be valid, the driver has to have less than 50% of fault.

Nevertheless, uninsured motorist benefits offer a much-needed reprieve for motorists against the ignorance of other drivers. It is recommended that drivers add insurance to their basic coverage to protect against harm and or damage from uninsured drivers. An elite Michigan car accident attorney at our firm is standing by to help you immediately with any issues you may be having regarded an auto accident. 

Share
Previous Post
Police use license plates to check insurance in Michigan
Next Post
Distracted Driving In Michigan Communities

Leave a Reply - Cancel reply

Your email address will not be published. Required fields are marked (required)

Testimonials

If you're looking for Attorneys that will work hard for you, Look no further! Ameer is the best I was scared and didn't know what to expect. He was there every step of the way walking me through the entire process from beginning to the end. Thanks Ameer 😊

Google Review by, Keysha Blanks

Ameer was my lawyer (recommended by my brother whom received a settlement 2 years prior). Ameer promised a decent amount but came back 6 days later with double the settlement and an additional $10K. My accident was very scary but I never expected a guarantee, let alone a smooth process. I appreciate Ameer's' honesty and most importantly his track record of exceeding what I expected. I'm grateful to be alive and to have a bigger head start now.

Google Review by, Jania Foster

I’d like to thank Alex & Mathew for the hard work they put in of my case. I was broadsided by an individual speeding and Blessed that I’d just let my daughter out of the car moments before being struck by the other drivers vehicle. I incurred an astronomical amount of medical bills as a result of my injuries, all of which Alex went to bat for me, to ensure that I wouldn’t be left in debt and overburdened because of this horrible unforeseen accident. I was devastated having to loose valuable time from school and work. The accident took a horrible toll on me and my family. But Alex assured me that they would be with me every step and they have been. Even in the midst of an unprecedented pandemic, Alex and his team kept fighting to resolve my case. Thank you Elia & Ponto.

Google Review by, Catreese Qualls

My experience with attorney Ameer Alkhalidi was phenomenal. He walked me through every single step of the case and got me a great settlement. He was very knowledgeable and did not give up. I would highly recommend him!!

Google Review by, Abdo Alazizi

Ameer was truly an amazing attorney to have on my case! He managed to get a settlement for my accident, even though it was not a life-altering one. I truly recommend Ameer to anyone who is looking!

Google Review by, Cassandra Spinazola
More Testimonials
Contact Info

25800 Northwestern Hwy Suite 850 Southfield, MI 48075
Phone: (855)75-EPLAW
Fax: 248-595-8779
Opening Hours: 8:30AM - 5PM

Get Directions
How Can We Help You?

Fill out the form below or call us at (855) 75-EPLAW for your free consultation.

    Recent Posts
    • Car Accident Q&A: Statistics, Settlements, and When to Call an Attorney
    • Auto Accidents and Health Insurance in Michigan
    • How Does No-Fault Insurance Work in Michigan?
    • What to Know If You Get into a Truck Accident
    • What Are the Laws for Social Security Disability Benefits and How a Lawyer Can Help
    Contact Info

    25800 Northwestern Hwy Suite
    850 Southfield, MI 48075
    Main Phone: 248-595-8579
    Phone: 855-753-7529
    Fax: 248-595-8729
    Opening Hours: 8:30am-5pm

    Leave a Review

    Our Legal Team
    • Sam E. Elia
    • Adam P. Ponto
    • Alexander Brown
    • Sally Moore
    • Ameer Alkhalidi
    • Howard Cohen
    • Brandon Wolfe
    • Andrew Kas-Marogi
    • Darnell Smith

    Copyright Elia & Ponto © 2023. All Rights Reserved

    • Home
    • Our Team
    • Blog
    • Contact Us
    • Home
    • What We Practice
      • Michigan No Fault Insurance
      • Auto Accident
      • Social Security Disability
    • Our Team
    • Values
      • Types Of Accidents
      • Michigan No-Fault Benefits
      • Pedestrian Accidents
      • Do You Have A Michigan Car Accident Case?
      • How to File a Michigan Auto Accident Claim
    • Blog & Firm News
    • Contact Us