Question : I did not carry insurance on my motorcycle. Can I still sue the driver who hit me?
Answer: Yes. Michigan law treats motorcyclists differently than individuals driving their own automobiles without insurance. Thus, an injured motorcyclist, who did not have insurance on his or her bike, may bring a lawsuit against the careless driver who caused the motorcycle accident.
Question: What is Uninsured Motorist Coverage?
Answer: Uninsured Motorist Coverage is an insurance coverage option that may allow you to recover damages from your own insurance policy, when an at-fault driver did not have insurance or cannot be identified (i.e. hit and run driver). It is a wise idea to carry uninsured coverage, to protect yourself in case you are in this situation.
Question: Is there a difference between uninsured motorist coverage and underinsured motorist coverage?
Answer: Yes. Underinsured coverage provides an additional means of collecting damages, if you are seriously injured in an accident. It is different than uninsured coverage, which is available when there was no identifiable insurance on an at-fault vehicle.
Question : The driver who caused the accident did not have insurance. I did not carry uninsured motorist coverage on my motorcycle, but have it in my car insurance policy. Can I make a claim through my automobile insurance?
Answer: Maybe. Your eligibility for uninsured coverage may depend on the specific wording of your auto insurance policy. You should contact a lawyer for help determining what your insurance policy covers.