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Even minor car accidents are enough to upend someone's life. They can cause substantial bills, lost wages, and lasting injuries. Here in Michigan, no-fault insurance policies help any driver, regardless of fault, pay for medical expenses and lost wages—but what about other damages? What happens when another driver causes undue pain and suffering and they don't have the insurance to pay you or your family the deserved compensation?

These questions can be difficult and even frightening to face if you or your loved ones have suffered a personal injury on the road. At the Law Offices of Todd J. Stearn, P.C., our Michigan uninsured motorist attorneys have been dealing with personal injury cases for over two decades, including countless car accident cases, and are well-versed in the complications that can ensue in their aftermath.

If you were injured on the road and need answers on recovering compensation from an uninsured driver, contact us today for a free consultation!



One of the most common combinations of automotive coverages in Michigan includes no-fault insurance and another standard policy from an insurance provider. This coverage addresses a number of different incidents.


No-fault and standard provider auto insurance frequently covers:

  • Medical bills, no matter who's at fault

  • Lost wages due to injury, no matter who's at fault

  • Theft

  • Car damages


For some cases, this coverage is sufficient, but in the case of personal injury, when pain and suffering damages are often involved, this coverage will not help. This is most critical when the driver at fault is uninsured. If an uninsured driver is found to owe money they don't have to an injured party, the compensation can be lost.

This is why uninsured (UM) and underinsured (UIM) motorist coverage is essential for Michigan drivers. These policies make sure that, even when negligence by an uninsured driver is proven in court, proper compensation is paid. In these cases, the injured driver's UM/UIM coverage would pay the remainder of whatever the guilty driver cannot.



Before your hearing, before filing your claim, before you're even hurt on the road, it is advised that you obtain UM/UIM insurance. However, even if you do not have such covered, the incisive and aggressive representation that our Oakland County uninsured motorist lawyers offer at the Law Offices of Todd J. Stearn, P.C. can be utilized to fight for the maximum compensation possible in your case.

If you have questions about your options in an uninsured car accident claim, then call our firm to speak to an experienced Oakland County car accident lawyer today!

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