What is Underinsured Motorist Coverage?

When a person is involved in a car accident in Detroit, the amount the maximum they can generally expect to recover depends on the at-fault driver’s insurance policy limits. This means that if your injuries exceed their policy limits, you may be left holding the bag for the total cost of your injuries. With underinsured motorist coverage, however, you can potentially have more money available to you after an accident. An injury attorney can recover damages from this insurance should you choose to carry it.
When a person carries this policy, they will have their own coverage limits available to them should the other party’s insurance coverage not sufficiently cover their injuries. For instance, if the at-fault party only carries the minimum insurance coverage in Michigan — $20,000/$40,000 – that often is insufficient to compensate serious injuries. Just a night or two in the hospital can cost a person tens of thousands of dollars, and that doesn’t take into account the physical therapy and follow up treatments that will almost certainly be required. With underinsured motorist coverage, a person could then file a first party insurance claim on their own policy to get the money they need.

It is important to note that this coverage only covers injuries, not property damage. It is also important to note that there may be minimum coverage requirements in order to carry this insurance. It may be wise to speak with an insurance agent to learn about adding this coverage. It can prove extremely valuable should a person be involved in a serious accident.

At Davis Law Center, we can help you collect your underinsured motorist coverage if you have been injured. If you have been injured in a car accident in Farmington Hills or anywhere in Michigan, contact our office right away for a free consultation.

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