An option available on most auto insurance policies is known as Underinsured Motorist Coverage (UIM). This coverage exists for people who have been seriously injured in a car accident and who find that the at-fault party’s insurance coverage does not make them whole. As a Detroit Personal Injury Lawyer, it is a good idea to speak with your insurance agent about adding this coverage. It is often relatively inexpensive and can be a major help for an injured person.
In Michigan, a person is required to carry at least $20,000/$40,000 worth of coverage. This provides $20,000 worth of coverage for a single person, $40,000 worth of coverage for a single accident. As anyone who has spent a night in the hospital can tell you, $20,000 will barely cover that hospital stay. This leaves almost nothing left for future medical and other costs associated with an injury.
UIM coverage can supplement this coverage, giving an injured person an opportunity to be made whole by their own insurance company. A Detroit Personal Injury Lawyer can help with this first-party claim. Before settling with the at-fault party’s insurance company, speak with an attorney who can make sure you are taking the steps necessary in order to preserve your right to make this claim.