Michigan Attorneys Helping Victims Of Uninsured/Underinsured Motorist Accidents
Last updated on June 17, 2025
Being involved in a car accident is stressful enough, but discovering that the at-fault driver lacks adequate insurance coverage can turn a difficult situation into a financial nightmare.
Uninsured and underinsured motorist accidents leave victims struggling to recover compensation for medical bills, lost wages and other damages when the responsible party cannot pay for the harm they caused.
At Bahrie Law, PLLC, we have been fighting for personal injury victims for over 45 years. Our experienced lawyers understand the complex insurance regulations governing uninsured and underinsured motorist claims in Michigan, and we work tirelessly to help accident victims recover the compensation they deserve when dealing with inadequate insurance coverage.
Understanding Uninsured And Underinsured Drivers
An uninsured driver operates a vehicle without any liability insurance coverage, violating Michigan law and leaving accident victims with no insurance company to pursue for compensation. This category also includes hit-and-run accidents where the at-fault driver flees the scene, making it impossible to identify them or their insurance status.
An underinsured driver carries liability insurance that meets minimum legal requirements but lacks sufficient coverage to fully compensate victims for their damages.
Michigan Car Insurance Requirements
Michigan law requires all drivers to carry liability insurance, but the state allows drivers to choose between limited and unlimited personal injury protection coverage. Drivers must carry minimum liability coverage of $50,000 per person and $100,000 per accident for bodily injury, plus $10,000 for property damage.
However, Michigan law does not require drivers to purchase uninsured or underinsured motorist coverage, leaving this important protection as an optional add-on to standard policies. Many drivers unknowingly skip this coverage to save money, only discovering their vulnerability after an accident occurs.
What to Do After an Accident With an Uninsured or Underinsured Driver
- Call the Police – Always contact law enforcement so an official accident report can be filed. This is critical for any insurance claim.
- Gather Evidence – Collect information from the scene, including photos, witness statements, and the other driver’s information (if available).
- Seek Medical Attention – Even if you feel fine, get checked by a medical professional. Some injuries may not be immediately apparent.
- Notify Your Insurance Company – Report the accident as soon as possible and ask about your UM/UIM coverage.
- Consult With a Lawyer – Navigating UM/UIM claims can be complex. An experienced attorney from Bahrie Law, PLLC can help you understand your rights and fight for full compensation.
Frequently Asked Questions About UM/UIM Claims
Q: Do I have uninsured/underinsured motorist coverage?
A: UM/UIM coverage is optional in Michigan, so check your policy or contact your insurer. We can help you review your policy and advise on your options.
Q: What if the at-fault driver left the scene?
A: Hit-and-run accidents are typically treated as uninsured motorist claims. Promptly reporting the accident and working with an attorney can help protect your right to compensation.
Q: How long do I have to file a claim?
A: Michigan law has strict deadlines for filing UM/UIM claims and personal injury lawsuits. Contacting an attorney as soon as possible helps ensure your claim is filed on time.
Protecting Your Rights After An Accident
With offices in Livonia (Metro Detroit) and Lansing, serving clients throughout Michigan, Bahrie Law, PLLC has served clients throughout Michigan since 1979. We offer free initial consultations and take all personal injury cases on a contingency fee basis, meaning you pay no fees until we help you recover compensation.
Contact Bahrie Law, PLLC today at 888-473-1289 or submit an online contact form to speak with our caring attorneys.