The driver who hit you has no insurance. Your claim is not over. You may still have ways to pursue compensation.
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Request Your Free Consultation or Call: 248-702-6641
The police report confirmed what you feared at the scene: the driver who caused your crash carries no insurance. Suddenly, the question is not just who pays, but whether anyone will.
Our Southfield uninsured motorist accident lawyers answer that question every week, often from an office just blocks from where these crashes happen. Kajy Law Firm is headquartered right here at 18000 W 9 Mile Road, and motor vehicle accident cases are the only cases we handle.
Being injured by an uninsured driver changes your claim's path, not necessarily its value. Call 248-702-6641 and let our team show you how we can help when the at-fault driver carries no insurance coverage. The consultation costs nothing, and no fee applies unless we win.
Injured in an Accident? Call Kajy Law Now!
Table of contents
- Do I Need an Uninsured Motorist Accident Lawyer?
- Is Uninsured Motorist Coverage Required in Michigan?
- Three Recovery Paths When the At-Fault Driver Has No Insurance
- Where Do Most Serious Car Accidents Occur in Southfield?
- What Makes Kajy Law Firm Different When Coverage Falls Apart
- Results Our Southfield Accident Attorneys Stand Behind
- FAQs About Southfield Uninsured Motorist Accident Cases
- Put a Southfield Uninsured Motorist Accident Lawyer Between You and the Insurance Company
Do I Need an Uninsured Motorist Accident Lawyer?
You are not legally required to have a lawyer, but handling your claim on your own can put you at a serious disadvantage.
Every dollar you may pursue for your injuries and losses flows through an insurance contract, and the companies interpreting those policies and issuing payouts are acting in their interests, not yours. Claims against your own policy are scrutinized just as closely as claims against a negligent driver’s.
The financial gap between represented and unrepresented claimants is well documented. Research reported by Forbes found that injury victims with attorneys collected payouts 91% of the time versus 51%, and netted nearly triple the compensation that unrepresented claimants received, even after paying attorney fees.
Insurance companies know that Kajy Law Firm is prepared to take your case to trial if they refuse to offer you a fair deal. Our uninsured motorist attorneys in Southfield give your case the legal leverage it needs, positioning it for a fair settlement.
Is Uninsured Motorist Coverage Required in Michigan?
Michigan does not require drivers to purchase uninsured motorist (UM) coverage. UM coverage is an optional add-on that the Michigan Department of Insurance and Financial Services (DIFS) encourages drivers to consider, and it typically costs little, about 50-200 per year, depending on the level of protection you choose.
UM coverage essentially acts as the insurance the other driver should have carried. It pays the damages, mainly pain and suffering, that you would have collected from a liability policy that does not exist.
A UM claim is a contract claim against your own insurance company, but that doesn’t mean it’s any easier to obtain fair compensation. Your insurer may operate the same way that the at-fault driver's insurer would have – disputing fault, injuries, and value to lower your payout.
Not sure whether you bought UM coverage? Check the declarations page of your policy, or if you arrange a free consultation, bring it to us for review.
Three Recovery Paths When the At-Fault Driver Has No Insurance
You may still have several ways to seek payment after a crash with an uninsured driver. In Michigan, most vehicle owners must carry no-fault insurance. Depending on your coverage and the facts of the crash, payment may come from three different sources.
| Recovery path | Who pays | What it covers |
|---|---|---|
| No-fault (PIP) benefits | Your own insurer | Medical bills, partial wage loss, replacement services |
| Uninsured motorist claim | Your own insurer, if you bought UM | Pain and suffering, excess economic losses |
| Lawsuit against the driver | The uninsured driver personally | Same damages, but collection is often difficult |
Michigan’s order of priority rules (MCL 500.3114) direct most injured drivers to collect PIP benefits after a car accident from their own policy first, so medical bills and lost wages are paid while fault is sorted out.
To seek payment for pain, suffering, and other personal losses, the injury must involve permanent serious disfigurement, a serious impairment of a body function, or death (MCL 500.3135). You may still be able to seek certain financial losses, such as medical expenses or lost income beyond your no-fault benefits, even if your injury does not meet that standard.
Call Kajy Law Firm if you need to speak with a car accident lawyer near you about your options when the other driver is uninsured.
Where Do Most Serious Car Accidents Occur in Southfield?
Southfield sits at the crossing point of three of Oakland County's busiest corridors: Telegraph Road, the Lodge Freeway, and I-696. High traffic volume means more contact with the drivers who let their coverage lapse or never purchased insurance.
Construction has made it worse. Ramps linking I-696 to Lahser Road, Telegraph Road, and the Lodge remain closed while the Michigan Department of Transportation rebuilds this stretch of freeway through 2027, funneling detoured traffic onto Southfield streets.
This is our home turf in the most literal sense. Our clients are typically treated at Henry Ford Providence Southfield Hospital on 9 Mile, local court matters run through the 46th District Court on Evergreen Road, and injury lawsuits proceed to Oakland County Circuit Court in Pontiac.
What Makes Kajy Law Firm Different When Coverage Falls Apart
Uninsured driver cases test a firm's patience and preparation, because the shortcuts other firms rely on do not exist here. Three things define how we handle them.
We Know Southfield
We are not a Detroit firm with a Southfield mailbox. Our team includes 10 attorneys and more than 35 legal professionals. From our local office on 9 Mile Road, we provide Southfield car accident representation for people injured in many types of motor vehicle crashes.
Your Complete Satisfaction Is Our Goal
Client satisfaction is the core of everything we do, from the way we communicate with you and explain the process to the way we build, pursue, and resolve your case. The experiences of many of our past clients, recorded on our testimonials page, have helped us achieve a near-perfect Google rating based on nearly 1,000 client reviews.
“Kajy Law firm is the best. These guys really do care and are very detailed. The process seemed painless.” – S.D.
Built for Fights With Insurance Companies
UM claims often require you to seek payment from your own insurance company. We handle insurer communications, gather the records needed to support your claim, and respond when the company disputes fault, injuries, or the value of your losses. We also track policy deadlines and protect you from giving statements or signing documents that could weaken your case.
A Fee Structure That Matches Your Situation
If you were injured by a driver with no insurance, the last thing you need is a legal bill. We handle cases on a contingency fee basis, so you never pay us anything out of pocket. We collect our fee from the compensation we secure for you. If we don’t win your case, you pay us nothing.
Results Our Southfield Accident Attorneys Stand Behind
Insurance carriers track which firms recover real money, and that reputation follows every claim we file, including uninsured motorist claims. Our history of results:
- $2,517,178 after a T-bone crash sent an expectant mother into emergency labor
- $2,200,000 after a semi-truck rear-ended a driver, causing several injuries
- $1,350,000 after a crash left a client with no memory and multiple reconstructive surgeries
- $1,250,000 after a red-light runner caused shin and ankle injuries
- $868,876 after a driver heading home suffered a broken skull and brain bleed
- $635,000 after an intersection collision caused ankle fractures and pregnancy complications
While past results don’t guarantee future outcomes, they do show the level of preparation and the fight we bring to every case.
FAQs About Southfield Uninsured Motorist Accident Cases
Does uninsured motorist coverage apply to hit-and-run accidents in Michigan?
Usually, yes. Most Michigan UM policies treat an unidentified driver like an uninsured one, so hit-and-run victims may claim pain and suffering through their own policy. Notice deadlines are short, and understanding how a hit-and-run affects your accident claim can be important when dealing with hit-and-run uninsured driver coverage under both sets of rules.
Can I sue an uninsured driver in Michigan?
Yes, if your injuries meet the serious impairment threshold, you may sue the at-fault driver directly. The practical problem is collection, because a driver who skipped insurance rarely has assets to pay a judgment. We examine every insurance source first for that reason.
What if my own insurance company denies my uninsured motorist claim?
A UM denial gets resolved the way contract disputes do: negotiation, arbitration, or litigation. Insurers deny UM claims due to technical coverage issues, disputed fault, and injury questions, and many reverse course once an attorney documents the claim properly. Policy deadlines run fast, so call quickly.
Does uninsured motorist coverage pay for pain and suffering in Michigan?
Yes. Uninsured motorist coverage may pay for pain and suffering when your injuries meet Michigan’s legal requirements and the claim falls within the terms and limits of your policy.
What is the difference between uninsured and underinsured motorist coverage?
Uninsured/underinsured motorist coverage applies when the at-fault driver has no insurance at all or does not have enough coverage to pay for your damages. Uninsured motorist coverage applies when the at-fault driver has no insurance, while underinsured motorist coverage, called UIM, applies when the driver has insurance but not enough to cover your damages. Many Michigan policies bundle them, and we review which one your crash activates.
How long do I have to file an uninsured motorist claim in Michigan?
A lawsuit against the at-fault driver follows the three-year limit in MCL 600.5805, but your UM claim runs on deadlines written into your policy, and some contracts cut the time to a year or less. Early legal review protects you and your claim from missing critical deadlines.
Do I have a claim if I was a passenger and the at-fault driver was uninsured?
You may. Passengers often qualify for UM benefits through the policy covering the vehicle they rode in, and sometimes through a policy in their own household. These coverage questions can be complicated. Our Southfield car accident attorneys evaluate your case and identify every available policy.
Does Uninsured Motorist Coverage Pay for Damage to My Car in Michigan?
Uninsured motorist coverage generally applies to injury-related losses, not vehicle repairs. Damage to your car may be covered through collision insurance or a separate claim against the at-fault driver.
What should I bring to my free consultation?
Bring any crash-related documents and other materials, such as crash photos, the other driver's information, your insurance declarations page, and any medical paperwork. Missing documents are never a reason to wait, because our team can help gather records, reports, policy files, and other materials needed to build and support your claim.
Put a Southfield Uninsured Motorist Accident Lawyer Between You and the Insurance Company
An uninsured driver took away the easy path to compensation. Our job is proving the harder path can pay just as well, and we have been doing that in this city for years.
Contact Kajy Law Firm online or call 248-702-6641, and a Southfield uninsured motorist accident lawyer will review your claim for free. We come to you when needed, and no fee applies unless we win your case.