If you've been involved in an accident with an uninsured or underinsured driver in Michigan, contact Grewal Law today to schedule a free case evaluation. Personal Injury Protection (PIP).If you are hurt in an auto accident, this part of your no-fault policy will pay all reasonably. If you're in an accident with an uninsured driver, you may not know what to do. However, you have options. In Michigan, the statute of limitations for filing a personal injury claim after a car accident is generally three years from the date of the accident. The purpose of car insurance is to provide compensation for injuries and property damage that result from car accidents. Collision; Comprehensive; PIP Claim (No-Fault Claim); Uninsured motorist (UM); Underinsured motorist (UIM); Property damage claim (PD). In this case, your own insurance can help pay for your medical expenses and other injuries and property damage. Michigan law makes it possible for injury victims to hold liable parties accountable even if they do not have auto insurance coverage.