What Is Uninsured & Underinsured Motorist Coverage in Michigan?

If you’re driving in Michigan, protecting yourself with uninsured and underinsured motorist coverage isn’t just smart—it’s essential. Here’s why.

What Is Uninsured Motorist Coverage?

Uninsured motorist (UM) coverage protects you if you’re involved in an accident with a driver who has no insurance. And that’s more common than you might think—roughly 1 in 4 drivers in Michigan are uninsured, according to recent statistics. That means if they cause an accident, you could be stuck paying for your own injuries and damages unless you have UM coverage.

What Is Underinsured Motorist Coverage?

Underinsured motorist (UIM) coverage comes into play when the at-fault driver has insurance—but not enough to cover the full extent of the damage or injuries they caused. Many Michigan drivers carry only the state minimum liability limits, which can fall far short after a serious crash. UIM coverage helps bridge that gap.

What Does UM/UIM Coverage Pay For?

Both uninsured and underinsured motorist coverage can help with:

Pain and suffering
Coverage for your passengers’ injuries and damages

Then depending on how the PIP coverage on your policy responds, uninsured & underinsured motorist coverage can also help with:

Medical bills
Rehabilitation and long-term care
Lost wages due to injury

Does This Coverage Apply in a Hit-and-Run?

Yes. If the at-fault driver flees the scene and can’t be identified, uninsured motorist coverage can step in, treating the situation as if the other driver had no insurance at all.

Why This Coverage Is Critical in Michigan

Michigan is one of the states with the highest percentage of uninsured drivers in the country. If you’re in a serious accident and the other driver has no insurance—or not enough—you could be left paying out of pocket for tens of thousands of dollars in medical expenses, car repairs, or lost income.

By adding UM and UIM coverage to your policy, you’re protecting yourself from the financial fallout of an accident caused by an irresponsible or underinsured driver.

Final Thoughts: Should You Get Uninsured & Underinsured Motorist Coverage?

Absolutely. It’s one of the most important coverages you can have on your Michigan auto insurance policy. It’s relatively affordable, and it provides peace of mind knowing that you and your passengers are covered—even if the other driver isn’t.