Uninsured & Underinsured Motorist Coverage in Michigan
Millions of Michigan drivers are on the road without insurance. UM/UIM coverage ensures you're protected when the other driver isn't.
What Is Uninsured Motorist Coverage?
Despite Michigan's mandatory insurance laws, a significant percentage of drivers on West Michigan roads are either uninsured or carry only bare minimum coverage. If one of them hits you, your own PIP will cover your medical bills — but it won't compensate you for pain and suffering, excess economic losses, or property damage caused by the other driver. Uninsured and Underinsured Motorist (UM/UIM) coverage fills that gap, providing a financial safety net when the at-fault driver can't pay what they owe.
Knight Family Agency serves West Michigan with Farmers Insurance products tailored to Michigan families and businesses.
What's Included
Pays for pain and suffering and economic losses when you're injured by a driver with no insurance at all.
Steps in when the at-fault driver's liability limits are too low to cover your damages — pays the difference up to your UIM limit.
Covers damage to your vehicle caused by an uninsured driver — often without requiring you to use your collision coverage or pay a deductible.
UM coverage typically applies to hit-and-run accidents where the at-fault driver flees and cannot be identified.
Your UM/UIM coverage protects all occupants of your vehicle, not just you.
Unlike PIP (which is no-fault), UM coverage can compensate you for pain and suffering losses caused by an uninsured driver.
Who Needs This Coverage
With a significant number of uninsured drivers on Michigan roads, every driver is at risk of being hit by someone with no coverage.
Grand Rapids and surrounding cities have higher concentrations of uninsured drivers than rural areas.
UMPD can protect your vehicle from damage without involving your collision coverage or deductible.
More time on the road means more exposure to uninsured drivers — daily commuters have higher risk.
PIP pays your medical bills, but UM coverage is often your only path to compensation for pain, suffering, and emotional distress.
Teens and young adults are statistically more likely to be uninsured. Your UM coverage protects you if they hit you.
Frequently Asked Questions
Don't Let Someone Else's Mistake Ruin Your Finances
UM/UIM coverage costs just a few dollars a month and protects you from uninsured drivers. Get a free quote today.