Being involved in a car accident is stressful enough—but when the at-fault driver is uninsured, the situation becomes even more complicated. Fortunately, if you carry uninsured motorist (UM) coverage, you still have a path to recover the compensation you deserve.
This guide explains how uninsured motorist claims work, your legal rights, and the steps you need to take to secure your benefits. If you're facing this difficult situation, don’t navigate it alone—reach out to an experienced uninsured motorist lawyer at the Law Offices of Todd J. Stearn, P.C.
What Is Uninsured Motorist Coverage?
Uninsured motorist coverage is part of your own auto insurance policy and is designed to protect you if you’re injured in an accident caused by a driver who:
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Has no auto insurance
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Flees the scene (hit-and-run)
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Has insurance that does not meet state minimums
This coverage can help pay for:
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Medical bills
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Lost wages
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Pain and suffering
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Other out-of-pocket costs
In Michigan, uninsured motorist coverage is not required, but many drivers add it for peace of mind.
Filing an Uninsured Motorist Claim: Step-by-Step
1. Report the Accident Immediately
Notify law enforcement and file a police report. This is especially important if the at-fault driver fled the scene or admitted to having no insurance.
2. Contact Your Insurance Company
You must alert your insurer about the accident as soon as possible, even if you think the other driver is at fault. Insurance companies often impose strict deadlines for uninsured motorist claims.
3. Submit a UM Claim Under Your Policy
This includes providing:
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A copy of the police report
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Medical documentation of injuries
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Proof of the other party’s lack of insurance
4. Cooperate—but Cautiously
Your insurance company is now essentially in the position of the at-fault driver. That means they may dispute your claim or try to minimize your payout. This is when having a skilled uninsured motorist lawyer can make all the difference.
5. Negotiate or Pursue Arbitration
If your insurer refuses to offer a fair settlement, you may need to resolve the matter through arbitration or litigation, depending on the terms of your policy.
Know Your Legal Rights
When filing an uninsured motorist claim:
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You have a right to pursue compensation up to the limits of your policy.
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You are not penalized for making a UM claim—it doesn’t count as a claim against another driver.
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Your insurer has a duty to handle your claim in good faith—but they don’t always act accordingly.
That’s why it’s critical to speak with an experienced uninsured motorist lawyer who understands how to challenge bad faith tactics and protect your right to full compensation.
Why You Need an Uninsured Motorist Lawyer
Uninsured motorist claims often become adversarial, especially when large settlements are on the line. Your insurance company may:
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Delay your claim
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Demand excessive documentation
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Offer far less than you’re entitled to
At the Law Offices of Todd J. Stearn, P.C., we know how to stand up to powerful insurance companies. We’ll guide you through the process, handle the negotiations, and fight for the financial recovery you deserve.
Contact Us for Help with Your UM Claim
If you’ve been hit by an uninsured driver, don’t wait. The clock is ticking on your right to file a claim.
📞 Call the Law Offices of Todd J. Stearn, P.C. today to speak with a trusted uninsured motorist lawyer and schedule your free consultation. We’re here to help you get back on the road to recovery.