In Michigan, motor vehicle owners must carry a no-fault insurance policy. For one reason or another, more than 20 percent of Michigan drivers forgo insurance altogether, according to the Insurance Information Institute (III). If these uninsured drivers cause an accident and injure you or a loved one, it can add a unique element to your case in contrast to accidents involving insured motorists.
Hiring a Detroit uninsured car accident lawyer is helpful when you want to protect your legal rights and investigate the circumstances of your case to determine if you are receiving a fair settlement. Ben Crump Law, PLLC will take your case to trial if necessary and does not charge attorney fees until we win your injury or wrongful death case.
Prospective clients are welcome to discuss their cases with our office during a free consultation by calling (800) 598-7557. We are available to assist you or your loved ones 24/7.
Compensation for Your Injuries or Loved One’s Death
There are two types of motor vehicle accident claims in Michigan, which include first- and third-party claims. Since Michigan follows a no-fault insurance system, a claim against your Personal Injury Protection (PIP) policy should be filed first, according to Michigan’s Department of Insurance and Financial Services.
However, if your case involves catastrophic injury thresholds or wrongful death, you can file a claim against the at-fault driver. In the case of uninsured drivers, additional investigation is required to determine if there are other options to pay for further losses as traditional insurance coverage is not available.
You can also file an uninsured/underinsured motorist (UM/UIM) claim if you hold that form of coverage. A Detroit uninsured car accident lawyer will help you understand the direction in which you may want to take your case for the most favorable outcome.
Under your PIP insurance policy, you can recoup:
- Current and future medical bills
- Lost wages and benefits for missed time
- Long-term care replacement services
- Mileage reimbursement for travel to doctor appointments
- Nursing care
If you qualify for a third-party claim or hold a UM/UIM policy, Ben Crump Law, PLLC will fight for:
- Excess losses not covered by PIP
- Physical pain and suffering
- Lost enjoyment of life
- Lost future earning capacity
- Loss of companionship for survivors
- Funeral and burial costs for wrongful death
- Punitive damages
- And more
No matter which direction your case takes, a Detroit uninsured car accident lawyer will help you understand the next steps that you need to take toward receiving compensation or obtaining a better offer.
Uninsured motorist claims are more challenging than straightforward insured motorist claims, especially when your injuries are severe or your loved one experienced loss of life. Ben Crump Law, PLLC will take the time to answer your questions and provide practical legal advice throughout the entire time you work with our team.
For a free legal consultation with a uninsured car accidents lawyer serving Detroit, call (800) 598-7557
Filing a Claim Through Your PIP Policy
Due to the limitations of a PIP policy, you may have to seek excess damages through a third-party claim. Excess damages are the financial losses you did not receive compensation for through your PIP policy. In many cases, PIP coverage is enough to pay for your medical expenses, lost wages, and other damages.
However, for catastrophic injuries, PIP policies will most likely not offer enough coverage to reimburse you adequately. As such, you would normally have to file a third-party insurance claim to receive an equitable award.
Since the at-fault driver is uninsured in your case, you will have to pursue coverage through your UM/UIM policy or by leveraging other means through which the defendant can pay. Ben Crump Law, PLLC will look for an opportunity to recover compensation on your behalf by applying our knowledge and experience with the law to the specific legal situation you are facing.
Detroit Uninsured Car Accident Lawyer Near Me (800) 598-7557
Uninsured Motorist Accidents Have Deadlines
Auto insurance policies have numerous rules and laws that apply to every claim, including assignment of fault, policy limits, level of injury, and time since the accident. Get legal help from a Detroit uninsured car accident lawyer early on in your case to protect and assert your rights to compensation. One of the first items that they will investigate is the date of your accident or when you discovered your accident-related injuries due to legal timing constraints.
General Personal Injury Statute of Limitations
Timing is an important factor in your case due to Michigan’s statute of limitations—or legal deadline—that applies. Michigan’s general personal injury statute of limitations, MCL § 600.5805, is three years from the date of your accident. Other factors can influence the timeline of your case as well.
Do Not Miss the Deadline
If your case surpasses the statute of limitations, you no longer possess a legal right to civil compensation. Therefore, you will want to find out the legal deadlines that apply so that you do not miss your opportunity.
What to Do if You Think You Missed Your Case’s Statute of Limitations
Confirm the time clock running on your case during your free consultation with Ben Crump Law, PLLC. Even if you assume that the deadline for your injury or wrongful death claim passed, it does not hurt to ask, especially if extenuating circumstances prevented you from taking action. There are always exceptions to the rule.
Speak with Ben Crump Law, PLLC at No Cost Now
Insurers may operate under false pretense by acting like they are on your side. However, it is in their financial interest to pay as little as possible. While every case is different, it is your legal right to discuss your settlement offer or insurance claim denial with a Detroit uninsured car accident lawyer.
Once you accept the proposed resolution, you cannot receive additional compensation in the future, which means it is imperative that you receive the most out of your claim now by hiring legal counsel that argues for a fair civil award. He or she will ensure that insurance companies account for current and future losses.
Ben Crump Law, PLLC invites you to learn more about your case during a free consultation by calling (800) 598-7557. You can reach our legal team 24/7. Our firm is not shy when it comes to looking at challenging cases. If you hire us, we will not charge you attorney fees in advance and will not receive any payment until you win.