Michigan Under Insurance Coverage
IA lot of my friends ask me how they can protect themselves if they or their families are involved in a car accident with another driver who does not have enough car insurance to cover the full cost of their injuries and damages. The answer is simple: buy underinsured motorist coverage.
In Michigan, most insurance companies offer underinsured motorist coverage which will provide protection to you and your family in situations where you are involved in an accident with another car which did not have enough liability insurance to cover your damages and injuries.
In Michigan, the minimum liability policy is only $20,000 per person in an accident. Therefore, many times, individuals have injuries and damages which far exceed the other driver’s minimum liability policy of $20,000. In an underinsurance motorist claim, generally, injured persons will have to file a lawsuit against the negligent driver and owner of the other vehicle involved in the accident, as well as make a claim with their own insurance company for the underinsurance motorist coverage.
For example, if individual A has $100,000 in underinsurance motorist coverage and is severely injured due to the negligence of individual B who has only $20,000 in liability coverage, individual A would file a lawsuit against individual B for the $20,000 in liability coverage, and would seek an additional $80,000 in coverage against his or her own insurance company under the underinsurance motorist coverage.
This coverage, along with uninsured motorist coverage, is very inexpensive and probably the most important coverage you can purchase in your auto insurance policy.
If you have any questions on how to make a claim for underinsurance motorist coverage, please call the law firm of Buckfire & Buckfire, P.C. immediately at (800) 606-1717. You can also learn more from our web site at www.BuckfireLaw.com
There are very strict time limitations in pursuing this type of claim. Therefore, if you are involved in an auto accident, we recommend that you contact an attorney immediately.
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