4 biggest risks for uninsured drivers in Michigan

October 4, 2012
If you are driving your own vehicle in the State of Michigan and you do not have No-Fault auto
insurance, you need to think twice. The potential negative consequences of doing so are huge. Below are the three biggest risks uninsured drivers face in Michigan.

1. You cannot claim Michigan No-Fault insurance benefits. If you happen to be injured in an auto
accident while driving your own uninsured vehicle, you will be disqualified from making a claim for

This means you will be unable to collect wage loss, have your medical bills paid by your auto insurance, collect medical mileage, or have persons who help you with household chores and in-home nursing services.And since Michigan law does not allow you to recover these expenses from the driver/owner of the other vehicle, you will have no way to collect payment for these items.

2. You will be disqualified from bringing a claim for non-economic damages against the at fault
driver. This means you cannot sue the at-fault driver for the pain and suffering damages related to
your auto accident injuries.

3. You can be sued by the auto insurance carrier of the other vehicle. This is another major (and
unexpected) hazard. If you are involved in an auto accident with another automobile, and the auto
insurance carrier for the other vehicle pays out No-Fault benefits on behalf of the other driver, you can be sued by the auto insurance carrier of the other vehicle for any and all No-Fault benefits it pays out to the other driver. This is true even if the other driver is at fault!

4. You cannot collect the Michigan mini tort to help pay for your car damage. When the new mini tort law went into effect in October 2012, uninsured drivers became absolutely barred from collecting ANY money from the at-fault driver who caused the accident toward their car damage.

If the prospect of paying your auto insurance premiums seems daunting, just remember that the
potential costs of being involved in an auto accident while driving your uninsured car are much, much worse. The financial consequences of doing so can ruin your life.

Steven M. Gursten is recognized as one of the nation's top attorneys handling serious auto accident injury and wrongful death cases, and No‚ÄźFault insurance litigation. He is head of Michigan Auto Law, the state's largest law firm handling car accident, truck accident and motorcycle accident cases for more than 50 years.