Uninsured motorist coverage, explained
What does uninsured motorist coverage do in a no-fault state?
The transcript below is the video. Read it now; the recording will appear here when it is published.
The short answer
Michigan no-fault pays your medical bills through your own policy, but a serious injury still gives you a claim against the at-fault driver. If that driver has no insurance or only the state minimum, uninsured and underinsured motorist coverage pays what they cannot. Carry it at the same limits as your own liability.
Transcript
Michigan is a no-fault state, so your own policy pays your medical bills after a crash. People hear that and think the other driver does not matter.
The other driver matters the moment an injury is serious. Then you have a claim against them for pain and suffering and for the losses no-fault does not cover.
About one in five drivers on Michigan roads has no insurance at all. Many more carry the $50,000 minimum.
Uninsured and underinsured motorist coverage is your policy stepping in to pay what that driver cannot.
Here is the mistake: buying big liability limits to protect other people, and leaving this one at the minimum to protect yourself.
Match it to your liability limit. The difference in premium is usually a few dollars a month.
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