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UM and UIM Insurance Coverage

Michigan Injury Lawyers  ►  UM and UIM Insurance Coverage

If you are a Michigan motorist involved in a car wreck caused by another driver who has little or no auto liability insurance,  you could be stuck with no way to receive compensation for your injuries -- unless you have enough underinsured (UIM) coverage or uninsured (UM) coverage. That coverage allows you to recover the money you need from your own insurance company, up to your policy limits.

However, collecting UM and UIM coverage from your own insurance company can be challenging and frustrating. That's where the car accident attorneys at Michigan Injury Lawyers can help.

Based in Bloomfield Hills, we have represented many Michigan motorists injured in automobile accidents.  As you focus on your health and recovery, we will fight for the uninsured and underinsured coverage you have paid for and deserve.

Michigan Underinsured and Uninsured Drivers

Michigan car accidents can cause serious injuries, resulting in thousands of dollars in medical bills. If you are the victim in a Michigan automobile accident, you will file a claim against the insurance company of the at-fault driver. However, in many accidents the other driver will not have adequate insurance coverage to compensate you for your injuries.

The minimum coverage that a Michigan driver must purchase includes $20,000 in liability coverage for bodily injury or death for one person, $40,000 for more than one person, and $10,000 for property damage. These minimum amounts, however, aren’t always enough to pay for the damage caused in a serious car accident.

In some cases, the Michigan driver who hits you will have NO insurance, even though Michigan law requires all drivers to be insured. In fact, your chances of encountering an uninsured driver are fairly high because drivers often pay one insurance installment in order to get their license plates, then allow the mandatory insurance to lapse.

Using Your Own UM / UIM Coverage

If you are injured in an accident caused by another driver whose coverage isn’t enough to pay for your injuries – or if you are hit by a driver without any insurance at all -- you will need an alternative source to help pay for your damages. That's where your own UM and UIM insurance comes into play.

You can purchase UM coverage from your own insurance company to pay monetary compensation when you are hit by an uninsured driver. If you are hit by an at-fault driver with minimum liability limits, the UIM coverage you purchase will pay, up to your policy limits, for your medical expenses and other damages that exceed the other driver's liability coverage.

Most insurance companies offer uninsured (UM) coverage, but this coverage is optional. Insurers also offer underinsured (UIM) coverage for an extra cost.

How UM / UIM Coverage Works

While many insurance companies offer UM / UIM coverage, insurance agents often don't tell their clients about this coverage because it is not a money maker for the insurance companies. In many cases, for only a few more dollars per policy, drivers can increase their UM / UIM coverage to the 250/500 level.

If you are injured by a driver with no insurance, and you have purchased a 250/500 UM / UIM policy, you could recover up to $250,000 under your UM policy. If the at-fault driver carried only the minimum $20,000 in liability coverage, you would need to first exhaust the at-fault driver’s $20,000 limit and then turn to your own UIM coverage to recover the remaining $230,000.

Because no Michigan law requires drivers to carry UM / UIM coverage, the terms of an insurance agreement between a driver and his or her insurance company will control. There are also complex rules when it comes to filing a UM / UIM claim. But an experienced Michigan car accident attorney from Michigan Injury Lawyers can review the terms of your auto insurance policy, including the policy’s UM / UIM provisions. We can also help you prepare an effective claim and negotiate with your car insurer on your behalf.

Help With Your UIM / UM Insurance Case

Michigan Injury Lawyers represents victims and their families who have been seriously injured by uninsured and underinsured motorists. We have helped many victims in Michigan recover what was rightfully theirs. We can help you and your family, too.

Call Michigan Injury Lawyers at 313-438-4357 or e-mail us for an evaluation of your claim. If there is no recovery in your case, there is no fee for our services.

Get the Compensation You Deserve with Michigan Injury Lawyers

“I am very appreciative of all the work that Michigan Injury Lawyers has done for me. They have given the highest level of attention to my case. Thank you so much for bringing closure and significantly impacting my life in such a positive way.”

- Andrew (Client)

“Michigan Injury Lawyers was very attentive to all of my needs. I always received prompt responses and knew exactly what was going on. I would highly recommend them.”

- Janel (Client)

“The best law firm around. I wouldn’t go anywhere else.”

Paul (Client)

“Tom is a great lawyer who treated me extremely well! My case wasn’t a big one, but you couldn’t tell by the attention it got.”

- Mike (Client)

“Thank you so much for everything you did for our family! We appreciate it all so much and will continue to keep you and your business in our minds in the future. Thank you again.”

- Danielle (Client)

“Thank you for being so supportive and professional.”

Jennifer (Client)

“Thank you for a great job handling my matter. Your efforts are greatly appreciated.”

- Kelli (Client)

“Thank you, Michigan Injury Lawyers. We are forever grateful for what you have done.”

- Scott (Client)

“After calling around to many law firms, with nobody willing to even listen to me, Michigan Injury Lawyers listened to my story and got results better than I even expected. I can not thank them enough for what they have done for me.”

- Maria (Client)

“The people of Michigan Injury Lawyers are always friendly, courteous, and professional.”

- Philip (Client)

“Your integrity, highly skilled professional knowledge, and empathy make you the very best in the field. As a client, I couldn’t thank you enough for that. It’s been a pleasure to work with you.”

- Dave (Client)

Table of Contents

  • Michigan Underinsured and Uninsured Drivers
  • Using Your Own UM / UIM Coverage
  • How UM / UIM Coverage Works
  • Help With Your UIM / UM Insurance Case

Locations

Flint Personal Injury Attorneys

503 S. Saginaw Street,
Flint, Michigan 48502

Telephone: 810-922-2820

Fax: (248) 456-8470

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Bloomfield Hills Personal Injury Lawyers

2525 S Telegraph Rd suit 100,
Bloomfield Hills, MI 48302

Telephone: (313) 438-4357

Fax: (248) 456-8470

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Mount Clemens Personal Injury Attorney

40 Macomb Pl #203,
Mt Clemens, MI 48043

Telephone: (586) 480-5906

Fax: (248) 456-8470

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Detroit Personal Injury Lawyers

400 Monroe St Suite 238,
Detroit, Michigan 48226

Telephone: (313) 513-0775

Fax: (248) 456-8470

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Lansing Personal Injury Lawyer

1223 Turner Rd #333,
Lansing, MI 48906

Telephone: (517) 418-6927

Fax: (248) 456-8470

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Petoskey Personal Injury Lawyer

511 Michigan St,
Petoskey, MI 49770

Telephone: 231-310-1735

Fax: 248-456-8470

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Traverse City Personal Injury Attorneys

340 E State St ste 4c,
Traverse City, MI 49684

Telephone: (231) 261-2686

Fax: (248) 456-8470

Map & Directions

Mount Clemens Car Accident Lawyer

40 Macomb Pl #203,
Mt Clemens, MI 48043

Telephone: (586) 480-5906

Fax: (248) 456-8470

Map & Directions
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