What Is Uninsured and Underinsured Motorist Coverage?
No matter how carefully you drive, you can't control whether the other driver has insurance—or enough insurance. Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage help protect you financially when another driver's insurance falls short.
What Are UM and UIM Coverages?
Uninsured Motorist (UM) helps protect you if you're injured by a driver who has no insurance. Underinsured Motorist (UIM) helps cover the difference when the at-fault driver's insurance isn't enough to pay for your injuries, up to your policy limits.
What These Coverages May Help Pay For
• Medical expenses
• Lost wages
• Pain and suffering (where allowed)
• Injuries to you and eligible passengers
What They Don't Cover
UM/UIM generally do not pay for damage to your own vehicle, routine maintenance, mechanical breakdowns, or your deductible. Those situations are typically handled by other parts of your auto policy.
Why It Matters
A serious accident can create costs that exceed the other driver's insurance limits. UM/UIM coverage can help reduce the financial gap and provide added peace of mind for you and your family.
Frequently Asked Questions
Is UM/UIM required in Michigan?
No, but it is highly recommended.
Does it cover passengers?
Yes, eligible passengers injured by an uninsured or underinsured driver are generally protected.
What if I'm a pedestrian?
Coverage may also apply if you're injured while walking or riding a bicycle, depending on your policy.
Is it expensive?
UM/UIM coverage is typically affordable compared to the financial protection it provides.
You can't control the actions of other drivers, but you can choose how well you're protected. Reviewing your UM/UIM limits with your insurance agent is a simple way to make sure your coverage matches your needs.
Need Help?
If you'd like to review your current UM/UIM limits or discuss additional protection, contact Berg Insurance Services for a no-obligation policy review.
