Michigan Drivers Should Consider Uninsured and Underinsured Motorist Coverage

Michigan drivers face a unique risk on the road: a surprisingly large number of motorists either carry no insurance or not enough coverage to pay for serious injuries after a crash. Studies estimate that about 20–22% of Michigan drivers are uninsured, meaning roughly 1 in 5 vehicles on the road has no insurance at all.

Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage protect you when the at-fault driver cannot fully pay for your injuries or damages. If a driver without insurance—or with only minimal coverage—causes a serious crash, your own UM/UIM policy can step in to cover medical bills, lost wages, and other losses.

Despite the protection it provides, UM/UIM coverage is extremely affordable. Many policies add it for only a few dollars per month, making it one of the most valuable coverages available to Michigan drivers.

Given how many uninsured or underinsured drivers share the road, UM/UIM coverage is a small investment that can provide critical financial protection when you need it most.