Uninsured Motorist Coverage: Michigan

For drivers in Michigan, uninsured motorist coverage is not compulsory. However, research by the Insurance Research Council (IRC) found that 17% of drivers in Michigan are driving without being insured. That’s 1,680,219 motorists!

So how does uninsured motorist protection work? Generally, uninsured motorist insurance coverage will pay for personal injuries to the insured when the injury is attributable to an uninsured, underinsured, or hit-and-run driver. Uninsured motorist coverage is oftentimes known as Michigan hit-and-run insurance coverage.

Without this type of insurance, you might be forced to cover physicians costs related to a personal injury for which you are not at fault.

Luckily, Michigan uninsured motorist coverage doesn’t have to run you a small fortune. It is crucial to compare rates on Michigan uninsured motorist coverage between insurers. For that reason we allow you to compare rates from the leading providers of Michigan UM/UIM coverage – online!

Michigan Uninsured Motorist Law

As stated previously, uninsured motorist protection is not compulsory in the state of Michigan. In Michigan, when a person fails to possess 20/40/10 in coverage (in thousands of dollars) for personal injuries and property damage, then she or he is not fully insured. In cases like this, UM/UIM coverage ought to cover the difference between how much the motorist responsible is able to pay, and how much should be paid.

Injured By Uninsured Motorist in Michigan?

If you were in an accident with an uninsured driver in Michigan, you may have legal action. It certainly seems unjust to be refused payment simply because a driver did not buy car insurance, and the courts may agree. If you would like to file an uninsured motorist or hit and run legal claim in Michigan, you’ll need a lawyer.