All Motorists should buy Uninsured or Uniderinsured Motorist Coverage

by Jonathan Jilek on Jan. 04, 2012

Accident & Injury Car Accident Accident & Injury Accident & Injury  Personal Injury 

Summary: The importance of uninsured or underinsured motorist coverage

Everyone should have underinsured and uninsured motorist coverage.  In some states this is optional coverage and in some states this is mandatory.  In Michigan, this coverage is not mandatory.  Un/underinsured motorist coverage protects injured people who are involved in a collision with an at-fault driver who either has no insurance coverage or an inadequate amount of coverage.  For example if a person is injured by a negligent driver who has the liability coverage of $20,000, if the injured person does not own underinsured motorist coverage, likely the maximum amount of recovery  for the injured person will be $20,000.00  Depending on the damages incurred this amount may not be adequate.  Underinsured motorist coverage allows the injured party to look to their own insurance company to make up the difference.  For example if the at-fault driver has $20,000 but the claim is worth $100,000, if the injured party has $100,000.00 in underinsured coverage, they can look to their own insurance company to pay the additional $80,000.00.  There are many pitfalls when negotiating and litigating these types of claims.  If you or a family member or friend have been injured in an automobile collision contact for information about your rights. 


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