Uninsured and Underinsured Motorist Coverage in Michigan
What happens when the driver who hurt you has no insurance — or not enough? UM/UIM coverage may be your lifeline.
The Gap No-Fault Leaves
Michigan's No-Fault system requires your own Personal Injury Protection (PIP) coverage to pay medical bills and a portion of lost wages after a crash, regardless of who was at fault. But PIP does not cover everything, especially pain-and-suffering damages from an at-fault driver who is uninsured.
How UM/UIM Coverage Works
Uninsured motorist coverage pays when the at-fault driver has no insurance; underinsured coverage applies when their limits are too low to cover your losses. Both come from your own policy.
Check Your Policy Now
UM/UIM is not always required, so many drivers do not have it. Reviewing your coverage before a crash can prevent a financial catastrophe later.
How Injury Claim Team Can Help
Injury Claim Team is a free service — not a law firm — that connects injured people across Michigan with experienced, vetted personal injury attorneys. There is never a fee to use our service, and the attorneys we connect you with work on contingency, so you pay no attorney fee unless they recover compensation for you.
If you have questions about uninsured motorist claims in Michigan, a specialist is available 24 hours a day to review your situation and connect you with the right Michigan attorney — usually within the hour. Call 973-566-5599 for your free, confidential case review.
This article is general information about Michigan law, not legal advice for your specific situation. For guidance on your case, talk to a qualified attorney. Injury Claim Team can connect you with one at no cost — call 973-566-5599.