Risks of Driving Uninsured In Michigan

Risks of Driving Uninsured In Michigan
Car accidents can be scary enough without the idea of being caught uninsured looming over your head afterwards. There are a number of reasons other than the fact that it’s the law as to why you should always have active insurance for you as a driver and any vehicle you own. Aside from getting in trouble with the law there are even a few, more personal, reasons as to why you should dial up your preferred insurance company and see what they have to offer you.

A recent little law known as mini tort went into effect in 2012, and basically means that victims of an auto accident can recover as much as $1,000 for vehicle damage from the faulted driver. No collision coverage? You can recover some out-of-pocket costs for repairs because of the mini-tort law. It also applies to those whose coverage is limited or who have a collision deductible. Get into a car accident with no car insurance? Bye-bye mini tort law benefits, hello hefty car damage fees. Hope you have a good savings!

You can be held responsible for a lot, including medical bills, vehicle or other damage, loss of wages, pain and suffering, and more. Between personal lawsuits and lawsuits from other insurance companies forced to pay No-Fault benefits on behalf of the other driver, it will seem like everyone is out to get you and there will be nothing you can do about it. Worst-case scenario, you can have your license suspended or revoked and even be sentenced to jail time. That’s a lot of time and money over something as simple as having insurance.

Any reimbursement for lost wages, assistance with personal medical bills, rights to collect any personal injury protection (PIP) insurance benefits, and other rights to sue for any reason after a car accident are out the window if you get caught driving uninsured in Michigan. If you get into an accident there is little that can be done for you, without insurance you basically forfeit any rights and benefits you may have otherwise had.

Overall when it comes to weighing the pros and cons and the risks and benefits, it’s better to just bite the bullet and get some insurance. Trust us, it will be worth it in the long run to know that you are protected financially and legally if worst comes to worst. If things take a turn from there and you find yourself in need of an attorney in northern Michigan, call us at 1.877.732.2491 or complete our free case review form to receive a prompt response from our one of our knowledgeable staff or attorneys.

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