Why Michigan Drivers Need Uninsured Motorist Coverage

Did you know that nearly 1 in 5 drivers in Michigan are uninsured? That means every time you hit the road, you’re at risk of being hit by someone who can’t pay for damages. That’s where uninsured motorist coverage (UM) comes in. It protects you financially if an uninsured or hit-and-run driver causes an accident.

What Is Uninsured Motorist Coverage?

Rear-end collision between two cars with a small shield icon labeled “Uninsured Motorist” in the lower right corner, symbolizing insurance protection.Uninsured motorist coverage helps pay for medical bills, lost wages, and other expenses if you’re in an accident caused by a driver who doesn’t have insurance. Without it, you could be stuck paying out-of-pocket.

Michigan is a no-fault state, but uninsured motorist coverage still matters—especially for covering serious injury costs that go beyond your basic policy.

What’s the Difference Between Uninsured and Underinsured?

  • Uninsured Motorist (UM): The other driver has no insurance. Your policy pays for your injuries and losses.
  • Underinsured Motorist (UIM): The other driver has some insurance, but not enough. Your UIM coverage fills the gap.

Both types of coverage are usually offered together—and they’re both smart additions to your Michigan auto insurance plan.

Why You Need It in Michigan

Here’s why uninsured motorist coverage is essential in Michigan:

  • Michigan ranks high in the number of uninsured drivers.
  • Even minor accidents can lead to thousands in medical bills.
  • Hit-and-run accidents are more common than most people think.
  • Basic policies may not fully cover injuries, especially if you’re seriously hurt.

How Much Uninsured Motorist Co verage Should You Have?

Most experts recommend choosing limits that match your liability coverage. For example, if you carry 100/300 liability, choose $100,000 per person and $300,000 per accident for UM/UIM.

It’s usually inexpensive to add and could save you thousands when you need it most.

Talk to a Local Agent Today

Uninsured motorist coverage is one of the best-kept secrets in auto insurance—and one of the most important for Michigan drivers.

Call 248-277-4505 to speak with a local agent today

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