What if the driver in a bicycle accident appears to be uninsured or underinsured?

If the driver of a bicycle accident appears to be uninsured or underinsured, the cyclist should file a claim with their own insurance company. If the cyclist has uninsured/underinsured motorist coverage, their own insurance company will help pay for the damages they have incurred. In Michigan, uninsured/underinsured motorist coverage covers injury and property damage that result from an accident involving a driver who either has no insurance at all, or who has insurance, but not enough to cover the full amount of the cyclist’s losses. If the cyclist does not carry uninsured/underinsured motorist coverage, or if the damages exceed the policy limits of the uninsured/underinsured motorist coverage, they can file a personal injury lawsuit against the uninsured or underinsured driver. In Michigan, the cyclist will be able to recover damages from the driver for their medical bills, lost wages, pain and suffering, and other related expenses. In some cases, it may be difficult to collect on an uninsured or underinsured motorist claim. In these cases, it may be best to consult with a bicycle accident attorney who can help the cyclist explore all available legal options. An experienced attorney can also help the cyclist understand the claims process and make sure their interests are adequately represented.

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What if the driver in a bicycle accident appears to be uninsured or underinsured?

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