What Happens If the Other Driver Is Uninsured or Underinsured in Michigan?

You expect that if another driver causes an accident, their insurance will cover your losses. Unfortunately, that’s not always the case. Many Michigan drivers are uninsured or underinsured, leaving accident victims unsure how their medical bills, lost wages, and other expenses will be paid.

At Marienfeld Law PLLC, we help clients navigate these situations and protect their rights when coverage falls short.

How Common Is Uninsured Driving in Michigan?

Despite legal requirements, uninsured driving remains a serious problem. Even drivers who carry insurance may have minimum coverage limits that are nowhere near enough to cover serious injuries. When that happens, victims are often left asking, “What now?”

Michigan’s No-Fault System Still Applies

Michigan’s no-fault law means your own insurance typically covers:

• Medical expenses through Personal Injury Protection (PIP)

• A portion of lost wages

• Replacement services

This applies regardless of who caused the crash, even if the other driver has no insurance at all.

However, no-fault benefits do not cover everything — especially pain and suffering or long-term damages.

When Uninsured or Underinsured Motorist Coverage Matters

Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage can be critical in these cases. These optional coverages may allow you to recover compensation when the at-fault driver:

• Has no insurance

• Has insurance limits too low to cover your damages

• Flees the scene in a hit-and-run

Many people don’t realize they have this coverage until after an accident — and others don’t know how to use it properly.

Challenges You May Face

Insurance companies often scrutinize UM and UIM claims closely. You may encounter:

• Delays or denials

• Disputes over fault

• Arguments that your injuries aren’t severe enough

• Pressure to accept a quick, low settlement

Even though you’re dealing with your own insurer, they still have a financial interest in minimizing payouts.

Why Legal Guidance Is Important

Uninsured and underinsured motorist claims can be complex, especially when multiple policies or coverage limits are involved. An experienced attorney can:

• Review your insurance policies

• Identify all available sources of compensation

• Handle negotiations with insurers

• Protect your right to recover pain and suffering damages when allowed

At Marienfeld Law PLLC, we make sure no coverage option is overlooked and no deadline is missed.

Protecting Yourself Before and After an Accident

The best protection is understanding your coverage before an accident happens. Reviewing your policy and adding UM or UIM coverage can make a significant difference.

If you’ve already been injured, acting quickly and getting legal advice can help ensure you receive the full benefits available under Michigan law.

If you’ve been injured by an uninsured or underinsured driver in Michigan, contact Marienfeld Law PLLC for a free consultation. We’ll review your case, explain your options, and fight for the compensation you deserve.