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Uninsured motorist coverage

More advice on uninsured and underinsured motorist coverage

What else should I do?

Read your insurance policy

The most important advice that any experienced Michigan lawyer can give is to read your insurance policy. You must ask your insurance agent, if, for example, family members who do not live with a vehicle’s owner will still be covered under an uninsured or underinsured motorist policy, even if they have been given permission to drive a car that’s covered by uninsured and/or underinsured motorist coverage.

Be aware of the insurance policy’s notice requirements

Each car insurance policy has time frames which an auto insurance company must be informed of after a car accident. For instance, some policies must be informed of a car accident within 30 days of the date the accident occurred. If notice is late, an auto insurance company can completely deny contractual benefits such as uninsured motorist coverage and underinsured motorist coverage.

Avoid Progressive Insurance Company

Please avoid Progressive and any other auto insurance company that sells UM/UIM with insurance policies that allow them to “set-off” or deduct from a UM/UIM policy limit payments those amounts that the No-Fault auto insurance company is required to make by law for medical bills and wage loss. It’s also best to avoid insurance companies that have policies allowing them to deduct other benefits from uninsured and/or underinsured motorist coverage, such as workers compensation, after an accident.

Insurance Lawyers of Michigan Auto Law Can Help You

For more than 50 years and three generations, the insurance lawyers of Michigan Auto Law have specialized in serious car and truck accident injury cases and automobile insurance No-Fault litigation. For more information, please call (800) 777-0028 if you have been in an auto accident and need help obtaining your No-Fault insurance benefits. Or fill out our consultation form for a free case evaluation.


Michigan has a new auto No-Fault law. Click Here to learn more.