Getting into a car accident is stressful enough, but it’s even worse when the at-fault driver has no insurance or not enough to cover your damages. In Michigan, Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage help protect you in these situations by allowing you to recover compensation from your own insurance policy.
While Michigan’s No-Fault insurance covers your medical bills and some lost wages, UM and UIM coverage help fill the gap when the at-fault driver lacks adequate insurance. These coverages are not required by law, but having them can be crucial if you’re involved in a hit-and-run or struck by an uninsured or underinsured driver.
This guide explains when UM and UIM claims apply, how to file a claim, and what to do if your insurance company delays or denies your compensation.
What Is Uninsured and Underinsured Motorist Coverage?
Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage are optional insurance protections that safeguard you if you’re hit by a driver without insurance or with too little insurance to cover your damages.
Even though Michigan requires all drivers to carry No-Fault insurance, thousands drive without coverage. If you’re involved in a crash with an uninsured or underinsured driver, you could be left paying out-of-pocket unless you have UM/UIM coverage.
Having both UM and UIM coverage ensures you’re financially protected when the other driver’s insurance fails you. Next, we’ll cover when you can file a claim under these coverages.
When Can You File an Uninsured or Underinsured Motorist Claim?
If you’re injured in an accident and the at-fault driver lacks sufficient insurance, you may be able to file a UM or UIM claim. However, these claims are not automatic—you must meet certain conditions outlined in your insurance policy. Below is a table showing when UM and UIM coverage applies in Michigan:
⚠️ Important: UM/UIM claims must be filed with your own insurance company, and policies often have strict deadlines. If you delay reporting the accident, you could lose coverage.
Having UM/UIM coverage can be a financial lifesaver in situations where the at-fault driver’s insurance fails to cover your losses. But how much coverage do you actually need? Let’s explore the recommended policy limits next.
How Much UM/UIM Coverage Do You Need?
Michigan does not require drivers to carry uninsured (UM) or underinsured (UIM) motorist coverage. However, adding this protection is highly recommended especially since 1 in 4 drivers in Michigan is uninsured. Most experts recommend carrying at least $100,000 per person / $300,000 per accident for UM/UIM bodily injury.
If you drive frequently in high-risk areas or have dependents who rely on you, opting for higher coverage limits can provide essential financial protection. If you only choose the minimum coverage offered by your insurer, you could still face unpaid medical bills, lost wages, and other expenses after a serious accident. Increasing your policy limits helps ensure you and your family are fully protected if you’re hit by an uninsured or underinsured driver.
How to File an Uninsured or Underinsured Motorist Claim
Filing a UM/UIM claim is different from a standard car accident insurance claim. Since you are seeking compensation from your own insurance company, the process requires specific steps to ensure you receive full benefits. Below is a table outlining the key steps to file a UM/UIM claim in Michigan:
Since you are making a claim against your own insurer, they may try to minimize your payout just like a third-party claim against another driver. If your UM/UIM claim is delayed, undervalued, or denied, consulting an attorney can help ensure you receive the compensation you deserve.
Common UM/UIM Claim Disputes & How to Fight Back
Even if you have Uninsured or Underinsured Motorist Coverage, insurance companies may try to deny, delay, or undervalue your claim. Understanding why claims get denied can help you prepare a strong case and avoid common pitfalls. Below is a table outlining the most common reasons UM/UIM claims are denied and how to fight back:
If your claim is wrongfully denied or undervalued, don’t accept the first answer—you have the right to appeal and fight back. Many insurance companies only offer fair compensation when pressured with strong legal representation.
Frequently Asked Questions About Uninsured & Underinsured Motorist Coverage
Contact a Michigan Car Accident Lawyer for UM/UIM Claim Help
If you’ve been injured in an accident involving an uninsured or underinsured driver, you shouldn’t have to fight your insurance company alone. UM/UIM claims can be complicated, and insurers often look for reasons to delay, underpay, or deny your rightful compensation.
At The Clark Law Office, we know how to challenge unfair denials and maximize your recovery. We’ll handle all negotiations, gather the necessary evidence, and ensure you receive the full benefits you’re entitled to. 📞 Call us today for a free consultation. There are no upfront fees, and we don’t get paid unless you win. Let us fight for the compensation you deserve.
Learn how coverage gaps are handled through other insurance options in our car accident insurance guide.