Accident wih someone with no insurance

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Oct 27, 2011

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Insurance Question from Waterford, MI

Asked on 10/27/2011

Accident wih someone with no insurance I let my son use my car because his was not running, and he was involved in an accident. He was not at fault, but the person who hit him has no insurance. My insurance is just PLPD.

Answer given on October 28, 2011

Michigan’s No-Fault Act does not require a driver to carry uninsured or underinsured motorist coverage. For the victim, it could mean little or no compensation for a serious injury. For the driver who caused the accident, it could mean personal exposure of assets. Does the person who caused the accident have any personal assets which would allow him to pay for the accident? This would require a lawyer to advise you on how to proceed and filling a lawsuit to recoup any cost of damage or injury.  Did the agent properly advise you that you could purchase uninsured/underinsured motorist coverage and the ramification of not doing so?  There could be coverage under the agent errors and omission insurance.  Again, consulting an attorney is the best option.  To talk with an attorney in your area to help you navigate these waters, click here.  Most consultations are free. 


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