Uninsured motorist coverage and underinsured motorist coverage are separate coverages that can protect an injured person when the at-fault driver has no insurance, cannot be identified, or does not have enough insurance to cover the injury claim.
Jason’s eBook recommends buying as much UM and UIM coverage as a person can reasonably afford, especially for motorcyclists. Serious crash injuries can exceed the available insurance. If the at-fault driver has little or no coverage, UM/UIM may become one of the most important protections available.
UM and UIM claims are often controlled by the insurance policy language. Notice deadlines, consent requirements, exclusions, household vehicle issues, and stacking rules can all matter. If a crash may involve UM or UIM coverage, preserve every policy and contact an attorney before signing releases.
No-Fault benefits, medical bills, motorcycle crashes, and insurance coverage choices can become fact-specific quickly. Call 877-769-3752 for a free consultation with 877-POWER-LAW.
No fee unless we collect money damages for you.
Source note: This information center is based on Attorney Jason Waechter’s No-Fault Law eBook and has been refreshed with current public guidance from the Michigan Department of Insurance and Financial Services. It is general information, not legal advice. Coverage decisions should be reviewed with an insurance agent, and accident-specific questions should be reviewed with an attorney.
Uninsured and underinsured motorist coverages can matter when the other driver has little or no liability insurance—if those coverages were purchased.
Uninsured motorist coverage can apply when an at-fault driver has no liability insurance, subject to policy terms, notice rules, and proof of the crash and injuries.
Underinsured motorist coverage can apply when the at-fault driver’s liability limits are too low for the proven damages, again subject to the policy and claim procedure.
Check the declarations page and endorsements. If the paperwork is unclear, request the full policy in writing from your insurer.
Usually no. PIP and UM/UIM address different problems. A serious crash file often involves both medical-benefit issues and liability/UM questions.
Save every letter, do not guess on recorded statements without advice when injuries are serious, and get a file review before deadlines run.
Call 877-769-3752 or Get a free case review. This page is general information, not legal advice for a specific case.