The Answer
An uninsured driver doesn't leave you without recourse. Michigan's no-fault system means your own insurance typically covers medical expenses and lost wages regardless of who caused the crash.
Beyond that, your options may include:
- Uninsured motorist (UM) coverage, if you purchased it, which can compensate for pain and suffering and other losses
- Pursuing the at-fault driver personally for damages beyond what insurance covers
- Checking whether a third party, like a bar that over-served a driver, shares responsibility
Holiday weekends like Labor Day see a spike in impaired and uninsured drivers on the road. If you're in this situation, the first step is understanding exactly what coverage you have, because many people don't realize what their policy already includes.
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