style & co patent
But the situation that you would if you rear ended someone, the preservation of serious injuries and vehicle damage a lot, and you discover that the other driver has no insurance. Or that only the minimum insurance - which is not close to being able to pay for your injuries.
No-fault insurance
Michigan is a "no-fault" state since 1973. We are all invited to buy no-fault insurance, and in fact, it is required before our number. It is illegal to drive without them, or let someone else drive your vehicle without them.
Michigan law requires us to buy in certain minimum amounts:
Personal Injury Protection (PIP) - to cover the costs for any injuries you get in a car accident, and lost wages for 3 years (with cap)
Property Protection Insurance (PPI) - to cover the cost of each vehicle after the repair of that accident --
Residual liability - for you, if your negligence causes injury to someone else
If you are still paying for your car, your insurance can also be used for the purchase of two more articles to cover the cost of repairing or replacing your vehicle:
Collision, and
Comprehensive.
The advantage of strict insurance is that it simplifies things, and possibly accelerated the repair of your vehicle. Your insurance pays your injury and repair bills, and the other driver's insurance pays him. It protects us not sued.
Michigan is not 100% non-error
No state is not 100% error. Michigan is a mixture of non-standard error and liability. In other words, there are no exceptions to the standard error. If the accident:
Happens outside of Michigan, or
Causes severe injury or death,
then on the driver's fault, be sued for damages if they are insured.
Uninsured and underinsured motorist (UM and UIM) Coverage
Michigan does not require us to buy UM or UIM coverage. It is our choice, and there is an additional expense for the premium, so many of us do not buy. And in a no-fault state, the assumption is that our own insurance to pay our bills anyway, so why do we need UM or UIM coverage?
But let us once again that the driver who rear-ended you. You have serious injuries - whiplash, and maybe you can meet the air bag too heavy, maybe take your head on the glass - and you have expensive repair bills (a rear-end accident even total your vehicle, if it knocks the chassis of the form ).
You can sue the other driver if you can prove that he / she has caused the accident. But if he has no insurance, chances are that you will not be able to avoid any compensation.
If, however, that drivers under-insured, you may be able to get to the value of their insurance, as it is.
Advantage of the UM and UIM
But your bills total a higher amount than that. If you do not have UM or UIM, you have no other recourse and have the bills from his pocket.
But let's say you have to buy UM and UIM coverage with your need. Now you can get from your insurance up to the amount of your UM / UIM, as well as the under-insured driver.
Inspection of accidents
A glance at our rear end scenario again, if the other driver starts, before you all contact information from him that leaves you with only your own insurance as a source of compensation.
If you have purchased UM and UIM, you have more than just supplying PIP and PPI.
Enhance your changes with legal assistance.
If you are in an accident with another driver, who, as an uninsured or under-insured, the smartest, what to do, now an experienced accident attorney. The law is complex, there are no exceptions to the error-law, and every situation is different. Some sound legal advice, you can decide what course of action.
You may also qualify for compensation more than you think.
http://www.jtrucks.com For more information on car accident liability, please contact Jay Trucks from Flint, Michigan
0 ความคิดเห็น:
แสดงความคิดเห็น