Michigan Lawyer Blog

Michigan Uninsured (UM) and Underinsured Motorist (UIM) Coverage Explained


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Under Michigan state law, drivers are required to carry liability insurance, or have an insurance policy. However, the reality is that many motorists in Michigan do not have an auto insurance policy and drive their vehicle anyway. In fact, according to USA Today, there are approximately 1.5 million Michigan drivers driving without insurance, or uninsured drivers.

So how can you protect yourself if you are one of those unfortunate people who is involved and injured in a Michigan car accident with someone who does not have insurance, or has an insurance policy with a very low value? At the law firm of Goodman Acker P.C. we see these type of situations every day, and unfortunately for some it is too late to protect themselves.

To best protect you and your family you should add uninsured and underinsured motorist coverage to your own auto insurance policy.

What is Uninsured & Underinsured Motorist Coverage?

With UM and UIM, an injured person turns to his or her own auto insurance company to pay what would have been recovered from the at-fault driver, had that person been properly covered. In other words, the auto insurance company of the insured driver takes the place of the uninsured driver and pays all personal injury damages/pain and suffering that the uninsured driver is responsible for. It is important to note that the policy controls any coverage pertaining to a claim for UM or UIM benefits. Therefore, it is important to read the policy language regarding UM and UIM coverage to determine the steps in recovering.

Why is uninsured and underinsured motorist coverage important?

Michigan law requires every automobile owner to carry at least a $20,000 minimum in liability insurance. Despite this law, almost 20% of motorist in Michigan are uninsured. Therefore, it is essential that you choose to protect yourself and your family by adding UM/UIM coverage to your current auto insurance policy.

This video below by Goodman Acker P.C. partner and ttorney, Jerry Acker, discusses in clear detail how having an increased rate in underinsured motorist coverage can help you recover the compensation you deserve when you are involved in a Michigan car accident.

How much coverage is needed on my auto insurance policy?

It is recommend that you carry at least $100,000 per person and $300,000 per accident for both UM and UIM policies. Adding UM and UIM coverage will only increase your policy on average $6-7 per policy period depending on the insurance carrier. Without UM and UIM coverage, a driver who is injured by an uninsured or underinsured driver would have no source of personal injury recovery - other than filing a lawsuit against the at-fault driver for his or her personal assets which most of the time is futile.

How Our Michigan Car Accident Lawyers Can Help You

For more than 30 years, our Michigan auto accident lawyers at the law firm of Goodman Acker, P.C. have been helping auto accident victims get the justice and results that they deserve. If you or your loved one was injured in an accident involving a driver who did not have an auto insurance policy or you simply have questions regarding uninsured or underinsured motorist coverage, call our top rated law firm today at (248) 286-8100.

Our car accident lawyers are happy to answer any questions that you may have until you fully understand your rights and will be able to determine whether or not you may be able to file an uninsured or underinsured motorist insurance claim. There is no obligation to call and to get your questions answered and best of all we represent our clients under a contingency fee basis, should you have a case. What this means is that we do not get paid until you receive a settlement or recovery for your claim. Call today for your free, no obligation case review!