All Drivers Should Have Uninsured and Underinsured Motorist Coverage

The law in Michigan requires all drivers and owners of motor vehicles to carry No-Fault Insurance. But, the No-Fault Act established back in 1973 only requires us to carry a minimum of $20,000 to compensate individuals injured as a result of a negligence. That amount has never been increased and in today's dollars it is worth less than $2,500.

This amount is hardly enough to adequately compensate someone with a moderately serious injury, let alone a catastrophically injured person. What is even more concerning is the dramatically increasing population of people driving vehicles without any insurance coverage whatsoever. How can you protect yourself and your family from this growing concern? Before you are in an accident, make sure your No-Fault Insurance policy has uninsurance and underinsurance coverage.

  • Not all automobile insurance companies offer this coverage
  • It is the least expensive way to protect you and your family from negligent drivers who are inadequately insured or have no coverage at all
  • Buy as much underinsurance and uninsurance insurance coverage as you can afford
  • The higher the amount of coverage you purchase, the less it costs per dollar of coverage
  • It will provide protection for you and your family in the event that a negligent driver either has no insurance or only the minimum policy required by law