What If the At-Fault Driver Doesn’t Have Insurance? Michigan Victims’ Options
When the at-fault driver doesn’t have insurance in Michigan, crash victims often feel unsure about how to recover medical costs, wage losses, or vehicle damage. Although Michigan requires all drivers to carry insurance, uninsured motorists are still involved in a significant number of crashes each year. Understanding how Michigan’s no-fault system works can help you move forward after an uninsured-driver accident.
Under Michigan’s no-fault law, Personal Injury Protection (PIP) benefits come from your own auto insurance policy — even when the at-fault driver is uninsured. PIP pays for medical treatment, lost wages, and replacement services. This remains true regardless of who caused the crash.
Michigan law also allows victims to seek Mini-Tort compensation, which can provide up to $3,000 toward vehicle repairs. This applies even when the at-fault driver is uninsured, but collecting the money can be difficult if the driver lacks assets.
Additional protection comes from Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage. These optional policy add-ons can help cover excess medical costs, serious injuries, and non-economic damages when the at-fault driver has no insurance or insufficient coverage. UM and UIM often become the primary source of recovery in uninsured-driver crashes.
Michigan law outlines the procedures for uninsured motorist injury claims in MCL 257.1106, which explains how victims may seek payment when an uninsured driver causes injury.
Knowing these options is critical for anyone hit by an uninsured driver in Michigan.
How Khamo Law, PLLC Can Assist After an Uninsured Driver Crash
At Khamo Law, PLLC, we help victims understand their options when the at-fault driver doesn’t have insurance in Michigan. Our team can review your PIP benefits, examine UM/UIM protections, and pursue Mini-Tort recovery when available. If you were injured by an uninsured driver, call (855) Khamo-4-U for support and guidance.