Lansing Uninsured Motorist Attorney

Lansing Uninsured Motorist Attorney — Fighting for Your UM/UIM Benefits

Understanding UM/UIM Coverage

• Uninsured and underinsured motorist coverage protects you when the at-fault driver cannot:
• Uninsured Motorist (UM)—Covers your injuries when the at-fault driver has no insurance at all. Also typically covers hit-and-run accidents where the driver is never identified.
• Underinsured Motorist (UIM)—Covers the gap when the at-fault driver's insurance is insufficient to cover your damages. For example, if you have $100,000 in damages and the at-fault driver carries only a $25,000 policy, your UIM coverage may pay the difference.
• Stacking—In some states, you can combine (stack) UM/UIM coverage from multiple vehicles listed on your policy or even across multiple policies. This can significantly increase your available coverage.
• MedPay / PIP—These first-party coverages pay for medical expenses regardless of fault and are separate from UM/UIM. They provide additional early coverage while your UM/UIM claim is processed.

UM/UIM Claims in Michigan

Insurance Bad Faith in UM/UIM Claims

• When you file a UM/UIM claim, your own insurance company has a contractual duty to deal with you in good faith. "Bad faith" occurs when an insurer unreasonably denies, delays, or undervalues a legitimate claim. In bad faith cases, courts can award damages beyond your policy limits.
• Signs of insurance bad faith include:unreasonable delay in investigating or deciding your claim, offering a settlement far below the clear value of your claim, failing to properly investigate your claim, making misrepresentations about your coverage, arbitrarily denying a well-supported claim, and pressuring you to accept an inadequate settlement through repeated lowball offers.
• Michigan law provides specific remedies for bad faith insurance practices. Our Lansing uninsured motorist attorneys monitor insurer conduct throughout your claim and pursue bad faith damages when warranted—turning the insurer's unfair tactics into an opportunity for additional recovery.

What to Do After Being Hit by an Uninsured Driver in Lansing

• Call 911—Report the accident and request police assistance. A police report is critical for your UM claim and will document the at-fault driver's lack of insurance.
• Get Medical Attention—Seek treatment for any injuries. Your medical documentation is the foundation of your UM/UIM claim.
• Document the At-Fault Driver's Information—Get their name, address, and any insurance information they claim to have (even if it's invalid). Photograph their vehicle, license plate, and driver's license.
• Screenshot Your Insurance App—Know your UM/UIM policy limits before you file your claim.
• Report to Your Insurer Promptly—UM/UIM claims often have strict reporting requirements. Notify your insurer of the accident promptly, but do not give a recorded statement without an attorney.
• Contact HOV Law—Our Lansing UM/UIM attorneys review your policy, identify all available coverage, and fight your own insurance company if they try to underpay your claim.