Despite Michigan's insurance requirements, many drivers on the road carry no coverage or far too little. If you are hit by an uninsured or underinsured driver, uninsured/underinsured motorist (UM/UIM) coverage on your own policy can be the key to fair compensation. These claims are technically against your own insurer, which often resists paying, and auto policies frequently impose internal deadlines shorter than the standard statute of limitations. An experienced attorney makes sure you meet every requirement and recover what your policy promises.
What You Should Know
No fee unless you win
Network attorneys work on contingency — you pay nothing unless they recover for you.
Three-year deadline
Most Michigan personal injury claims must be filed within three years under MCL 600.5805.
Comparative fault
Your recovery is reduced by your share of fault, and over 50% fault bars noneconomic damages.
Act quickly
Evidence fades and deadlines are strict — early action protects your claim.
Common Causes of Uninsured Motorist Injuries
Many of these cases arise from preventable negligence. Common contributing factors include:
- Hit-and-run collisions
- Drivers with no insurance
- Drivers with minimum-limit policies
- Phantom-vehicle accidents
- Underinsured at-fault drivers
- Out-of-state uninsured drivers
- Stolen-vehicle crashes
- Lapsed-coverage drivers
Compensation You May Be Entitled To
Depending on the facts of your case, you may be able to recover compensation for:
- Medical bills beyond No-Fault
- Lost wages and earning capacity
- Pain, suffering, and disability
- Future care costs
- Disfigurement
- Wrongful death damages
Every case is different. The best way to understand your rights and options under Michigan law is a free, confidential review with an experienced attorney. Call 973-566-5599 any time.
Why Choose Injury Claim Team
Injury Claim Team is a free service that connects injured people across Michigan with experienced, vetted personal injury attorneys. We are not a law firm — we are your fast, no-cost path to the right advocate. There is never any fee to use our service, and the attorneys we connect you with work on contingency. You focus on healing; they handle the insurers and the legal fight.
Frequently Asked Questions
Nothing upfront. Our network attorneys work on contingency, so you pay no attorney fee unless they recover compensation for you. The case review is always free and confidential.
Michigan's general personal injury statute of limitations is three years from the date of injury (MCL 600.5805). Auto No-Fault benefits follow the one-year-back rule, and claims against government entities may have much shorter notice deadlines. Contact an attorney promptly.
It depends on the severity of your injuries, your medical costs and future care, lost income, the degree of fault, and available insurance. A free case review is the best way to understand the potential value of your specific claim.