Uninsured drivers carry no insurance, and underinsured drivers have insurance, but not enough to fulfill all the damages faced by the victim. If a person fits into any one of these categories and they end up getting into an accident, they can get penalized legally. If the other driver involved in a collision is uninsured or underinsured, then a person will have to fight to get compensated for their losses. It is for this exact reason that uninsured motorist coverage and underinsured motorist coverage are available for drivers to sign up for.
Drivers should make sure they take the time to sign up for the proper insurance beforehand just in case they find themselves in a collision later. It may seem difficult to make the extra payments monthly but, in the event, one does get into an accident it will highly benefit them. Most individuals do not have enough money in their bank accounts to pay for injuries and property damage, so it is always best to be insured beforehand.
When can I file a lawsuit against an at-fault driver?
A person can file a lawsuit against a driver if they can prove the driver acted negligently and that this negligent behavior caused them to suffer some form of harm and financial loss. Negligence can be anything from breaking traffic rules to driving recklessly with malicious intent.
In Michigan, drivers can recover compensation even if they were at fault for the accident, but their settlement amount is decreased based on how much of the accident was their fault. In court, the judge and jury will decide what driver was at fault at what percentage. One’s insurance carrier will also give their opinion on how much settlement they believe a person is entitled to receive.
Even if a person gets an initial offer from their insurer, they are not obligated to accept it. They should get in touch with a lawyer as soon as possible and get advice on how much more they are entitled to receive and what they can do to have the total amount increased in Allen, Michigan.
If a person decides to claim for non-economic damages such as the pain and suffering they experienced, they need to make sure they have enough evidence to back up the amount of pain they faced due to the negligent behavior of the other driver. The more serious a person’s injuries, the more likely they will be able to recover non-economic damages after a car accident. However, if a person is more than 50% negligent for the collision, they are not allowed to claim non-economic losses in Michigan.