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Uninsured Motorist Coverage and Underinsured Motorist Coverage

Advice from our Michigan insurance lawyers on why UM/UIM is a must have

Any auto insurance policy sold in Michigan today without UM and UIM is not enough to protect you and your family.

Due to the struggling economy, there is a good chance that when a serious car or truck accident occurs in Michigan, one of the drivers will be uninsured. That’s why the no-fault insurance lawyers of Michigan Auto Law always tell our clients that uninsured motorist coverage (UM) and underinsured motorist coverage (UIM) provide a valuable source of legal recovery when someone is injured in a car accident by another driver who is uninsured or does not have adequate insurance. Any auto insurance policy sold in Michigan today without UM and UIM is not enough to protect you and your family. We recommend that every person obtain this extremely important and inexpensive coverage. Please call if you have been in an auto accident and need help obtaining your no-fault insurance benefits.

This page provides answers to some of the most frequently asked questions about uninsured and underinsured motorist coverage, including:

What is uninsured motorist coverage?

Why is uninsured motorist coverage so important?

How much UM and UIM motorist coverage is needed?

What else should I do?