Protecting Uninsured Motorist Victims
Recovering compensation when the at-fault driver has no insurance. Serving Lansing, Ingham County, and all of Michigan.
Cases Handled
Recovered for Clients
Years Combined Experience
Google Rating
Why Choose HOV Law
Maximizing Your
UM/UIM Coverage
UM/UIM Expertise
Nearly 13% of drivers nationwide are uninsured. Our Lansing attorneys specialize in maximizing recovery through your own uninsured/underinsured motorist coverage.
Policy Stacking
In some states, you can "stack" UM/UIM coverage from multiple vehicles on your policy, multiplying available coverage. We know when stacking applies and how to use it.
Bad Faith Claims
When your own insurance company unfairly denies or lowballs your UM/UIM claim, we pursue bad faith claims that can result in additional damages above your policy limits.
Their Negligence,
Your Coverage
When you're injured by a driver who has no insurance or not enough insurance to cover your damages, your own uninsured/underinsured motorist coverage becomes your most important source of recovery. We make sure you get every dollar from it.
Your Path to Recovery
We handle the legal complexities so you can focus on healing.
Policy Review
We review your auto insurance policy to identify all available UM/UIM coverage, including potential stacking opportunities across multiple vehicles or policies.
Claim Documentation
We document your injuries and damages thoroughly, creating a comprehensive demand that demonstrates the full value of your claim to your own insurance company.
Insurance Negotiation
We negotiate with your own insurer to secure fair payment. Unlike at-fault driver claims, UM/UIM claims involve your own insurance company — which has different obligations and tactics.
Arbitration/Trial
If your insurance company underpays or denies your UM/UIM claim, we pursue arbitration, litigation, and potentially bad faith claims for additional damages.
Lansing Uninsured Motorist Attorney — Fighting for Your UM/UIM Benefits
An estimated 13% of drivers on the road are uninsured, and many more carry only minimum coverage that's far too low to cover serious injury costs. If you've been injured by an uninsured or underinsured driver in Lansing, your own auto insurance policy's UM/UIM coverage is your best path to recovery.
At HOV Law, our Lansing uninsured motorist attorneys specialize in maximizing UM/UIM claims. We know the tactics insurance companies use to underpay their own policyholders, and we fight back aggressively to ensure you receive the full value of your coverage.
Free consultation. No fees unless we recover for you.
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
Michigan has specific rules governing uninsured and underinsured motorist coverage, including whether UM/UIM is mandatory, whether stacking is permitted, and the procedures for filing claims.
Filing a UM/UIM claim is different from a typical accident claim because you're making a claim against your own insurance company. While your insurer has a contractual obligation to pay legitimate claims, they also have a financial incentive to minimize payouts. Common tactics include disputing injury severity, challenging medical treatment, and offering quick lowball settlements.
Our Lansing attorneys understand these dynamics and fight to ensure your insurer honors its obligations. If your insurer acts in bad faith, we pursue additional damages beyond your policy limits.
Michigan Laws That Affect Your Case
Statute of Limitations
In Michigan, you have a limited time to file your claim: 3 years for personal injury (MCL § 600.5805). Missing this deadline typically means you lose your right to compensation permanently.
“Time is your most valuable asset after an injury. Contact a Lansing attorney immediately to ensure your claim is preserved.”
Modified Comparative Negligence
Michigan follows a modified comparative fault system. You can recover damages only if you are less than 50% at fault. Your compensation is reduced by your percentage of fault.
Michigan Insurance System
Michigan operates under a No-Fault (PIP required) system. Drivers choose PIP coverage levels; unlimited PIP was historically required but reformed in 2019.
Key Michigan Legal Facts
Local Knowledge: Lansing
High-Risk Roads & Highways
- I-96
- Michigan Avenue
- Saginaw Street
- Cedar Street
Local Courts
- Ingham County Circuit Court
- Thirtieth Judicial Circuit Court
Areas We Serve Near Lansing
- East Lansing
- DeWitt
- Holt
- Okemos
- Mason
Lansing Landmarks
- Michigan State Capitol
- Michigan State University
- Old Town Lansing
What Compensation May Cover
Under Michigan law, you may be entitled to recover damages for the full impact of your injuries.
Economic Damages
- • Medical bills (past & future)
- • Lost wages & earning capacity
- • Property damage
- • Rehabilitation costs
Non-Economic Damages
- • Pain and suffering
- • Mental anguish
- • Loss of consortium
- • Physical impairment
Other Personal Injury Services in Lansing
Also serving Lansing for Criminal Defense:
Lansing Uninsured Motorist FAQs
Hit by an
Uninsured Driver?
You pay for UM/UIM coverage specifically for situations like this. Make sure your insurance company honors its obligations. Contact HOV Law for a free consultation.