What does uninsured motorist insurance cover in Michigan? This question is about Uninsured Motorist Coverage Guide

What does uninsured motorist insurance cover in Michigan?

This question is about Uninsured Motorist Coverage Guide

Delaney Simchuk, Car Insurance Writer

@delaney_simchuk • 07/01/22 This answer was first published on 07/01/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Uninsured motorist insurance in Michigan covers your medical expenses after an accident caused by a driver who does not have car insurance. In Michigan, uninsured motorist insurance (UM) also includes underinsured motorist insurance (UIM), so you are covered for accidents with drivers who have some insurance but not enough. UM/UIM insurance is only applicable if you are not at fault and will only pay up to your policy’s limits.

Michigan does not require uninsured motorist coverage, but it can still be a useful type of coverage to have. If you do not have personal injury protection or MedPay to cover your own medical costs, uninsured motorist coverage can help keep your finances safe if you’re hit by an uninsured or underinsured driver.

What Uninsured Motorist Insurance Covers in Michigan

Medical expenses for you and your passengers
Loss of income
Funeral expenses
Hit-and-runs
Accidents with drivers who do not have enough coverage (underinsured)

To learn more, check out WalletHub’s guide to uninsured motorist coverage.

How much car insurance do I need in Michigan?

Drivers in Michigan need $50,000 of bodily injury liability insurance per person (up to $100,000 per accident) and $10,000 of property damage liability insurance. Michigan also requires personal injury protection (PIP) insurance. PIP covers medical expenses for you and your passengers after an accident.

Here’s How Much Car Insurance Drivers Need in Michigan:

Coverage Type	Minimum Coverage Limit
Bodily Injury Liability Coverage (per person)	...

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What is the cost of uninsured motorist coverage?

Uninsured motorist coverage costs around $50-$75 annually for bodily injury and property damage coverage. Uninsured motorist coverage (UM) protects the policyholder by paying for injuries or damage resulting from a car accident caused by a driver who doesn’t have enough insurance.

Like any type of car insurance, uninsured motorist premiums vary based on the policyholder’s risk factors. How much coverage you purchase will also affect the cost of UM. Similarly, uninsured motorist premiums are...

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Do I need uninsured motorist property damage in Michigan?

Drivers in Michigan do not have to carry uninsured motorist property damage (UMPD) insurance, and they are not even given the option to buy it. Instead of UMPD, you can purchase collision insurance, which is an optional type of coverage that pays to repair or replace your vehicle after any accident, regardless of fault.

Uninsured motorist property damage insurance pays to repair or replace your car if you’re involved in an accident caused by an uninsured driver. To...

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