Uninsured & Underinsured Motorist Accidents

Michigan Uninsured & Underinsured Motorist Attorneys

Michigan has one of the highest rates of uninsured drivers in the country. If you're hit by a driver with no insurance or insufficient coverage, you may feel like there's no path to recovery. But Michigan law provides important protections through uninsured motorist (UM) and underinsured motorist (UIM) coverage.

Koussan Law helps accident victims across Michigan navigate UM/UIM claims and maximize recovery when the at-fault driver can't cover the full extent of damages.

How UM/UIM Coverage Works in Michigan

Uninsured motorist coverage applies when the at-fault driver has no liability insurance at all. Underinsured motorist coverage applies when the at-fault driver's policy limits are insufficient to cover your damages. In both cases, your own auto insurance policy may provide additional compensation for pain and suffering, lost wages, and other damages beyond PIP benefits.

Fighting Insurance Company Denials

Insurance companies frequently dispute UM/UIM claims, argue over policy limits, or attempt to minimize payouts. Having an experienced attorney who understands Michigan no-fault law and UM/UIM coverage is critical to recovering the full value of your claim.