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11 March
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The Importance of Uninsured and Underinsured Motorist Coverage in Michigan

Posted by Adam Fisher
in Auto Insurance, Motor Vehicle Crashes

Car accidents are stressful and traumatic enough—but what happens if the at-fault driver has no insurance or doesn’t have enough coverage to fully compensate you for your injuries? Unfortunately, this is a common problem in Michigan. That’s why uninsured motorist (UM) and underinsured motorist (UIM) coverage are critical protections that every driver should consider adding to their auto insurance policy.

What Is Uninsured and Underinsured Motorist Coverage?

Uninsured motorist (UM) coverage and underinsured motorist (UIM) coverage are optional insurance coverages that protect you if you are injured in a crash caused by a driver who either:

  • Has no insurance at all (uninsured motorist coverage)
  • Has insurance, but not enough to fully cover your damages (underinsured motorist coverage)

These coverages allow you to seek compensation from your own insurance company if the at-fault driver cannot provide enough coverage to pay for your injuries. While UM and UIM coverage are optional in Michigan, they are highly recommended.

Why You Should Purchase Uninsured and Underinsured Motorist Coverage

The reality is that many Michigan drivers are uninsured or underinsured:

  • 1 in 5 vehicles (20%) in Michigan is completely uninsured.
  • Many insured drivers only carry the state minimum liability coverage of $50,000, which is often not enough to cover serious injuries.

If you are in a crash caused by an uninsured or underinsured driver, you could be left paying out-of-pocket for medical expenses, lost wages, and other damages—unless you have UM and UIM coverage. These protections ensure that you and your loved ones have access to compensation when an at-fault driver’s insurance falls short.

How Much Coverage Should You Purchase?

When it comes to UM and UIM coverage, it’s best to purchase as much as you can afford. At Sinas Dramis Law Firm, we recommend carrying at least $500,000 (half a million dollars) in UM and UIM coverage. The good news is that these coverages are relatively inexpensive compared to other types of auto insurance, making them a cost-effective way to protect yourself and your family.

Trusting Michigan’s Advocates for the Injured After a Crash

No one expects to be in a crash, but with so many uninsured and underinsured drivers on Michigan roads, it’s essential to be prepared. Purchasing uninsured and underinsured motorist coverage is one of the best ways to ensure financial protection if you or a loved one are injured by an uninsured or underinsured driver.

At Sinas Dramis Law Firm, we help motor vehicle crash victims navigate complex insurance claims and legal challenges after a crash. If you have questions about your insurance coverage or need help pursuing compensation after an accident, contact Michigan’s advocates for the injured for free personal injury consultation. Whether you need a Lansing car accident lawyer, a Grand Rapids auto accident attorney, or anywhere else in Michigan, we have a team that can help you focus on your recovery, while we defend your rights.