Uninsured / Underinsured Motorists

Michigan Uninsured Motorist Coverage

By law, drivers in Michigan must carry liability coverage on their automobile, so that, if you are injured by the negligence of another driver, you can collect damages based on the coverage that driver has on his automobile. However, some drivers do not carry automobile insurance. Unless you carry uninsured motorist coverage on your auto policy, if a driver who injures you does not have insurance, you cannot recover for your injuries.

Uninsured motorist coverage is a benefit available under most automobile insurance policies, but must be purchased separately. Then, if the car that injures you does not have insurance, you can seek compensation from your own automobile insurance under the uninsured motorist coverage you have purchased.

Our lawyers serve clients throughout Michigan. We are committed to helping the injured recover full and fair compensation for their economic losses, pain, and suffering. Please feel free to contact the firm at any time for advice or for help with your auto accident injury claim.

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Our law firm has successfully been helping injury victims collect what the deserve for over 45 years. We welcome the opportunity to fight for your rights!

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Jim Iafrate and his staff are wonderful to work with, professional, compassionate, and do everything in their power when working on your case. I was always part of the process as communication was timely. Additionally, they know the law and will not be bullied by big insurance companies.

Joannie E.

I would not let anyone else represent me in an auto case!

Adrienne Logeman is an exceptional auto injury attorney. Adrienne put me at ease and explained every step of the process before and during the trial. She was amazing. Confident, composed, professional, polite and extremely competent. She was accessible and her staff was always very helpful and friendly. I am very thankful for her. A great firm. A great lawyer. A great family. An incredible experience.

Robert A.

I can not say enough about this firm they continue to advocate for me

I was in 2 different catastrophic car accidents. Jim Iafrate has been my attorney for many years. I can say that without a doubt he is the best attorney in this field. Jim and his staff are professional and compassionate. I highly recommend him to anyone looking for a attorney that has been in a car accident. Jim will go above and beyond for his clients.

Debra Q.

My wife and I strongly recommend this law firm and are grateful for all their efforts.

The attorneys at Logeman,Iafrate and Logeman were absolutely fantastic and professional in handling our case from a severe automobile accident . They provided constant support and guidance in making sure all of our medical needs were met. The staff at this firm was so helpful in all aspects of the case and subsequent trial and settlement.

Vince G.

I know that we can always trust their advice!

I work with individuals that have suffered a brain injury because of an auto accident. This law practice has always been an amazing resource for them. They always put their clients first and I know that we can always trust their advice.

Courtney W.

I would recommend James and his office to anyone!

James and his team worked right beside our entire family during the whole process and even after. James was always available and fought hard to get my family what we deserved. He didn’t back down and was uplifting through the entire process. Not only was I proud to have him as our lawyer, we were even prouder that we can now call him a friend.

Rob K.

Jim was always available when we needed him to answer questions!

Jim handled our case resulting from a very bad automobile accident. Both my husband and I were injured. He is very personable and efficient. He came to our home to get the details of the accident and continued to provide excellent handling of our case to the end when he reached an excellent settlement for us. We feel we became friends during this whole process.

Joan F.

Underinsured Motorist Coverage

Underinsured motorist coverage is also often available as an option under your automobile policy. This benefit provides coverage over and above the liability limits of the car that injures you. So, if the car that strikes you has $50,000.00 in insurance and you have suffered $100,000.00 in coverage, you can seek the additional $50,000.00 from the underinsured motorist coverage from your own automobile policy.

How To Buy Car Insurance

Do not assume that you have full coverage on your automobile when you purchase insurance. There are many options available, including no fault personal protection insurance (PIP), underinsured coverage, uninsured coverage, and liability coverage. The amounts and types of coverages available vary and it is important that you know what you are buying, so that you are fully covered in the event you are injured in an accident. These coverages will also apply to passengers in your car and to family members injured by an automobile even if they are on a bicycle, a pedestrian, riding a bus or a motorcycle depending on the language of your policy.

Conduct research on consumer complaints. See the Michigan Department of Labor and Economic Growth’s website on insurance company complaint ratios, or ask a lawyer who has handled a significant number of motor vehicle accident claims.

Read the fine print in your policy. Some companies write policies with terms clearly described. Others bury unfavorable terms in the fine print. Your policy may make it difficult to collect benefits you have paid for, reducing the amount you are paid for an injury by any Social Security disability payments or medical insurance payments. You may be required to submit to mandatory arbitration to determine the amount of your recovery.

As personal injury lawyers, we at Logeman, Iafrate & Logeman, P.C., work to identify sources of compensation for clients who have been injured in motor vehicle accidents. We are committed to seeing that accident victims are treated fairly by auto insurance companies. If you have any questions about your policy or your claim, please feel free to contact us and speak to an attorney.

Free help with your no-fault insurance claim: Our firm is a leader in Michigan no-fault insurance law, and will, at no charge, fill out and file your claim for benefits under a no-fault insurance policy. Even if you do not have coverage yourself, our attorneys may identify another policy that provides coverage for injuries suffered in a car accident. Time is critical – do this as soon as possible.

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Uninsured / Underinsured Motorist Coverage


Uninsured / Underinsured Motorists | located in Ann Arbor mi

Our lawyers help clients in Ann Arbor, Ypsilanti, Detroit, and throughout Michigan with injury claims resulting from injuries and other accidents. We are committed to helping the injured recover full and fair compensation for economic losses, pain, and suffering. Please feel free to contact the firm at any time for advice or for help with your uninsured / underinsured motorist coverage.

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Logeman, Iafrate, & Logeman
2950 South State Street
Suite 400
Ann Arbor, MI 48104


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Our law firm represents clients with personal injury cases throughout Michigan. When you work with our award-winning law firm, you can rest assured you will receive the compensation you deserve. If you have been injured, do not delay. Contact our lawyers immediately for a Free Consultation. We have recovered substantial monetary compensation for individuals injured involving truck accidents, brain injuries, wrongful death, product liability, car crashes, auto accidents, bicycle accidents, bus accidents, brain injuries, construction cases, drunk drivers, vehicle law suits, motorcycle accidents, no fault claims, pedestrian injury, spinal cord cases, uninsured & underinsured claims, no fault insurance claims, and more. There is no attorney fee unless we win your case.

Areas We Serve: Ann Arbor MI, Ypsilanti MI, Chelsea MI, Superior Charter Twp MI, Plymouth MI, Ann Arbor Charter Twp MI, Pittsfield Charter Twp MI, Washtenaw County MI, Saline MI, Dexter MI, Jackson, MI, Canton MI, Livonia MI, South Lyon MI, Wayne County, Macomb County and Beyond!