Due to the high risk of encountering an uninsured or underinsured driver in a serious accident, uninsured and underinsured motorist coverage is vital. According to the Detroit Legal News, in 2008, more than 50 percent of Detroit drivers did not have mandatory auto insurance coverage. Michigan law requires every automobile owner to carry at least a $20,000 minimum in liability insurance. However, some people only pay the minimum insurance premium to renew their license plate each year, and let their auto insurance lapse. Without a UM or UIM policy, a driver or passengers injured by an uninsured or underinsured motorist will have no source of legal recovery, other than filing a lawsuit against the at-fault driver for his personal assets. Our lawyers have found that most people do not have sufficient personal net worth to compensate a person that they have injured.