What To Do If You’Re Hit By An Uninsured Driver In Detroit

Being involved in a car accident is shocking, but when the at-fault driver is uninsured, the situation can become complicated. As a Farmington Hills and Detroit area personal injury law firm, Davis Law Center understands the challenges faced by victims of uninsured motorist accidents and is dedicated to helping them through the legal process while seeking the compensation they deserve. This blog discusses what to do if you are unlucky enough to have been hit by an uninsured driver.

Michigan’s No-Fault Insurance System

Michigan has a no-fault insurance system, meaning drivers usually must first get compensation from their own auto insurance policies for coverage after an accident, regardless of who was at fault. Under this system, most drivers carry personal injury protection (PIP) coverage, which pays for lost wages and medical expenses related to accident-related- injuries.

However, no-fault coverage does not pay for damages like compensation for pain and suffering caused by a negligent driver. Usually, victims typically need to file a claim for compensation with the at-fault driver’s insurance company. In Michigan, to file such a claim, the injured party must demonstrate he or she suffered a serious impairment of body function or permanent disfigurement in the crash. If you find yourself in this position, your attorney can advise you about whether you qualify to pursue a claim for damages.

The Problem of Uninsured Drivers

Despite Michigan’s mandatory insurance laws, many drivers in Detroit and throughout the state choose to drive without insurance. If an uninsured driver causes an accident, victims may face significant obstacles in recovering the compensation they need to cover their losses.

What To Do If Hit By An Uninsured Driver

If you are hit by an uninsured driver in Detroit, Farmington Hills, or anywhere in Michigan, follow these steps to protect your health and legal rights:

Call the Police

Contact law enforcement immediately after the crash. Law enforcement will create an official report of the incident, which will be important for your insurance claim and any legal action you may need to take. In fact, some insurance companies require a report to be made within 24 hours after being hit by an uninsured driver in order to even pursue an uninsured motorist claim.

Get Medical Attention

Even if you feel fine after being hit by an uninsured driver, it’s essential to get a medical evaluation as soon as possible. Some injuries, like whiplash or concussions, may not show symptoms right away. Prompt medical care can protect your health and create a record of your injuries for your claim.

Gather Evidence

If possible, take photos of the accident scene, vehicle damage, and your injuries. Get the names and contact details of any witnesses who may have seen the accident occur.

Report the Accident to Your Insurance Company

Notify your own insurance company of the accident as soon as possible. Be honest and accurate in your description of what happened, but avoid admitting fault or speculating about the cause of the crash.

Check Your Uninsured Motorist Coverage

Review your own auto insurance policy to see if you have uninsured motorist (UM) coverage. This type of coverage can help pay for your losses if an uninsured driver hits you. In Michigan, UM coverage is not mandatory, but it can provide crucial protection in these situations. Moreover, it is relatively cheap coverage to add to your insurance policy.

Contact a Michigan Personal Injury Attorney

Navigating the legal process after an uninsured motorist accident can overwhelming, especially when you are dealing with injuries and financial losses. A Farmington Hills and Michigan uninsured driver accident attorney can help you understand your legal options, communicate with insurance companies, and fight for the compensation you deserve.

Contact Our Detroit Car Accident Attorney for a FREE Consultation

At Davis Law Center, we have a deep understanding of Michigan’s no-fault insurance system and the challenges faced by victims of uninsured motorist accidents. Our skilled attorneys work tirelessly to pursue the compensation our clients need to cover their accident-related losses.

If you or a loved one has been hit by an uninsured driver in Detroit or anywhere in Michigan, don’t hesitate to contact Davis Law Center. Let us protect your rights, advocate for your interests, and aggressively work toward the justice and compensation you deserve.

About the Author
Neil Davis, owner of Davis Law Center, is a seasoned attorney specializing in personal injury cases. With over 30 years of experience, he has successfully secured millions in compensation for injured individuals. Neil is a dedicated advocate for justice and an active member of legal associations.

Personal injury law is complex and best handled by a competent attorney who can effectively evaluate, prepare, present, and fight to win your case. Neil prides himself on doing all these things for his clients and would be honored to have the opportunity to discuss your case with you.