Uninsured & Under Insured Motorist Coverage

Despite the fact car insurance is a necessity and a requirement for many drivers countless motorists in the Great Lake State continue to drive without it. If you are injured in an auto accident caused by a uninsured or underinsured driver, do not panic-especially if your own policy contains uninsured and underinsured motorist (UM/UIM) coverage.

At Hakim, Toma & Yaldoo P.C., our team of dedicated attorneys and legal professionals can help explain your rights and options when you have to deal with complex UM/UIM claims.  You can count on us to give your case the personalized attention it deserves.  We will do everything possible to maximize your recovery, particularly when your insurance company is being less than cooperative.

When Does UM/UIM Coverage Kick In?

Essentially, uninsured and underinsured motorist coverage applies when you are harmed in a motor vehicle accident involving another motorist who has insufficient insurance coverage.  For instance, if the other driver’s insurance policy is not sufficient, your own insurance company may be obligated to pay the difference between the at-fault driver’s insurance and your own UM/UIM coverage limits.

However, UM/UIM insurance may also provide benefits when another driver hits your car and then speeds away–otherwise known as a hit-and-run accident. Indeed, UM/UIM coverage is often one of the only safeguards motorists have when they are injured by unidentified, uninsured, or underinsured motorists.

Sadly, though, insurance companies will not always be accommodating when you file a UM/UIM claim.  In many cases, they will be more concerned with their profit margins than your well-being, which is why you need to show them you mean business by seeking legal counsel from an uninsured motorist protection attorney.

Free Consultation

Legal Representation For Those Most In Need

If you have questions about underinsured or uninsured motorist coverage in Michigan, and need to speak to a knowledgeable and skilled lawyer, contact Hakim, Toma & Yaldoo P.C., for a FREE consultation today.  We assist clients throughout Macomb County and the surrounding areas, including those in Warren

We also have a law office in Grand Rapids. You can email us online or call our legal representatives at 1 (855) 558-8250.


Office Locations

Warren Office

8424 E 12 Mile Rd, Suite 200

Warren, MI 48093


Detroit Office

400 Monroe Suite 280

Detroit, MI 48226

Grand Rapids

3001 Orchard Vista Drive SE, Suite 220

Grand Rapids, MI 49546

Saginaw Office

2811 E Genesee Ave. 

Saginaw, MI 48601