UM/UIM is optional coverage
Michigan UM/UIM benefits usually depend on your insurance contract, not a single statewide coverage rule.
No Or Low Insurance After A Michigan Crash?
Call Before A Release Or Policy Notice Mistake
Tell us what happened, what insurance each person has, whether the driver fled, and whether any settlement papers have been offered. UM/UIM rights are policy-specific.
- $300M+ Recovered for Michigan clients
- 400+ 5-star ratings across review platforms
- $0 Upfront. No fee unless we recover
- 1989 Serving Michigan since
- 10 Offices across Michigan
- 24/7 Free case review, any time
What You Need to Know First
What If The At-Fault Driver Has No Insurance Or Too Little?
Uninsured motorist coverage may help when the at-fault driver has no available liability insurance; underinsured motorist coverage may help when that insurance is insufficient. Both depend on an applicable policy and its terms. No-Fault PIP benefits are a separate question, so missing liability insurance does not by itself decide who pays your medical bills.
PIP is separate
No-Fault benefits may cover medical care and wage loss even when the at-fault driver has no or low liability coverage.
Before signing a settlement release, have the complete policy, any UM/UIM endorsement, and insurer letters reviewed for notice and consent conditions. Start with what you have; you do not need to collect every policy before contacting us.
It costs nothing to find out where you stand.
Since 1989
We Review The Crash, PIP, Liability Limits, And Policy Conditions Together.
UM/UIM claims are not controlled by one universal Michigan statute. The policy language, hit-and-run proof, notice, consent-to-settle, liability limits, and PIP path all need careful review.
Policy language
UM, UIM, exclusions, notice, consent, arbitration, hit-and-run definitions, and limitation clauses.
Coverage priority
Household policies, vehicle policies, employer coverage, rideshare, commercial, umbrella, and assigned claims.
Liability proof
Fault, police reports, video, witness statements, crash reconstruction, and serious-injury threshold proof.
Settlement timing
Liability limits, releases, consent-to-settle, liens, PIP, and UIM demand timing.
The process
What happens when you call.
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Tell us what happened
Start with when and where you were hurt, your injuries, and your main concern. You do not need every record before you call.
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Discuss what needs attention
We ask about the people involved, any letters or offers you received, and information that could affect the next step.
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Understand your options
We explain whether we may be able to help, what information is still needed, and what representation would involve.
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Decide whether to move forward
A consultation does not commit you to hiring us. Representation begins only after conflict review and a written engagement agreement.
Michigan Legal Center
Our results
The cases. The work.
The difference it made.
$1M+
Hit-and-run recovery with lifetime PIP benefits
The recovery includes entitlement to lifetime Personal Injury Protection (PIP) benefits for our client.
$1.25M
Fatal rear-end crash
A speeding driver struck the vehicle from behind. The wrongful-death recovery included the available underinsured motorist policy limits.
$5.2M
Teacher rear-ended by a city work van
A teacher suffered brain and spinal injuries when a Detroit city van hit his stopped car. The City offered $25,000 before trial; a Wayne County jury awarded $5.2 million.
Client reviews
What our clients say
In their own words. Read what clients and families say about working with our team.
★★★★★
I had a rear end collision with a driver in a Ford F-150 pick up truck and I had multiple surgeries and quite a few medical bills that Ryan Ford worked with multiple providers to ensure the medical bills were paid for.
★★★★★
I loved everything about my experience!!! From start to finish I was always in communication with staff & any concerns or questions I had were handled adequately! Thank you so much for everything. Car accidents are scary but you all made this process so easy & fought hard for me to get paid
★★★★★
Christopher Trainor & Associates represented my mother in an extremely tragic car accident. The insurance company was resistant on paying out her law suit, and the team won our case! Thank you so much for your representation!!
Focus On Your Recovery. Get Help With Your Claim.
Treatment, bills, and insurance questions can arrive at once. We can review your situation and explain how legal help may fit into your recovery.
30-second case check
Is It Time To Review A Michigan Uninsured And Underinsured Motorist Claim?
Use this practical screen to identify the first uninsured and underinsured motorist facts, records, and legal questions worth reviewing. It does not calculate a deadline. No sign-up and no dollar estimate. Your answers are only included if you submit the free case review below. The result is general information, not legal advice.
Question 1 of 5
Free case review
Talk Through The Uninsured And Underinsured Motorist Facts Before Records Or Options Change.
Share what happened, how it has affected you, and a phone number or email where we can reach you. You can ask for a review before you have every report or insurance document.
- No fee unless we recover. No retainer or hourly bill.
- 400+ 5-star ratings. Across Google and leading review platforms.
Tell Us What Policies Exist. We Will Tell You What Conditions Need Review.
We couldn’t send your request. You can also call (248) 886-8650.
Response within 24 hours
Legal details
Michigan UM/UIM Law, PIP, And Policy Conditions
The main point: UM/UIM rights are policy-specific, so the policy should be reviewed before you settle with anyone.
The full breakdown Michigan law, deadlines, evidence, and recovery issues
UM/UIM Claims Are Won Or Lost In The Policy Language.
The injury may be obvious, but coverage can turn on technical notice and release terms.
Uninsured driver
We review PIP, liability proof, uninsured status, assigned claims, and UM policy conditions.
Underinsured driver
We review liability limits, consent-to-settle, UIM limits, damages, and release language.
Hit-and-run crash
We review police reports, video, unidentified vehicle proof, policy notice, and assigned-claims issues.
Multiple possible policies
We review household, employer, rideshare, commercial, motorcycle, umbrella, and resident-relative coverage.
Key Michigan Rules, Deadlines, And Evidence
Michigan UM/UIM claims often require contract review, No-Fault PIP analysis, serious-impairment proof, hit-and-run evidence, assigned-claims review, consent-to-settle compliance, and policy-specific limitation or arbitration provisions.
Policy controls
UM/UIM coverage is generally optional and contract-based in Michigan. Definitions, exclusions, notice, and consent language matter.
PIP benefits
MCL 500.3145 PIP timing can matter separately from UM/UIM claims.
Tort threshold
MCL 500.3135 requires death, serious impairment of body function, or permanent serious disfigurement for motor-vehicle noneconomic damages such as pain and suffering. Other recoverable damages and policy terms need separate review.
Assigned claims
MCL 500.3172 provides a possible PIP benefits path when its requirements are met. The Assigned Claims Plan does not replace missing liability insurance or provide UM/UIM or pain-and-suffering benefits.
Settlement conditions
Consent-to-settle, exhaustion, release, arbitration, notice, and limitation provisions should be checked before signing.
10 offices statewide
Serving clients across Michigan.
Meet by phone, video, or at any of our Michigan offices.
Common Questions
Frequently Asked Questions: Michigan Uninsured And Underinsured Motorist Lawyer
What is the difference between uninsured and underinsured motorist coverage?
Uninsured motorist coverage can apply when the at-fault driver has no available liability insurance. Underinsured motorist coverage can apply when the driver has some insurance but not enough to cover the loss, subject to policy terms.
Is UM/UIM coverage required in Michigan?
Generally no. UM/UIM is usually optional and policy-specific, so the actual insurance contract must be reviewed.
Can I settle with the at-fault driver and still bring a UIM claim?
Maybe, but do not assume. Many policies have consent-to-settle or exhaustion requirements that should be checked before signing a release.
Does PIP still apply if the other driver had no insurance?
Often, yes, if no exclusion applies. PIP benefits are separate from the at-fault driver’s liability coverage.
What evidence helps a hit-and-run UM claim?
Police reports, video, witness names, vehicle debris, photos, prompt notice, physical contact evidence if required by policy, and medical records can matter.
Our Team Approach
Every case at Christopher Trainor & Associates is a team effort. Our attorneys collaborate on strategy, discovery, and litigation so you get the full strength of the firm behind you—not just a single lawyer. We have built our practice on this collaborative model since 1989.
Meet Our AttorneysRelated resources
Hit-And-Run Accidents Police reports, video, PIP priority, assigned claims, and UM/UIM coverage after a fleeing driver. Learn More Car Accidents No-Fault PIP, serious-impairment, UM/UIM, and crash evidence after a Michigan collision. Learn More Truck Accidents Semis, tractor-trailers, 18-wheelers, big rigs, motor carriers, trucking-company liability, and company-controlled evidence. Learn More Motorcycle Accidents Rider bias, No-Fault priority, serious injuries, helmet arguments, and road-defect overlap. Learn More Rideshare Accidents Uber and Lyft app status, trip records, platform insurance, PIP priority, and release risk. Learn More Pedestrian Accidents Crosswalk, visibility, PIP priority, serious-injury, and hit-and-run issues after a pedestrian crash. Learn More Bicycle Accidents Cyclist roadway rights, PIP priority, driver fault, hit-and-run coverage, and serious-injury proof. Learn More
In-depth guide Michigan UM/UIM Coverage After A Crash How optional uninsured and underinsured motorist coverage differs from No-Fault PIP benefits. Read guide In-depth guide Who Pays Medical Bills After A Michigan Car Accident? How PIP priority and insurance responsibility are sorted after motor-vehicle injuries. Read guide In-depth guide What Happens If The No-Fault Insurer Sends You To An IME? Why insurer medical exams matter when treatment, causation, or benefit cutoffs are disputed. Read guide