Mindell Law Firm

Should I get Uninsured Motorist (or UM) coverage?

Uninsured Motorist Coverage

What is Uninsured Motorist Coverage and is it worth getting?

Uninsured Motorist coverage (or UM for short) is a coverage you should absolutely make sure is part of your current automobile insurance policy, and if not, you can add it for a relatively small amount.  UM coverage protects you in the event that you are involved in an automobile accident and the other driver is uninsured.   Then, you can turn to your own insurance policy for coverage.  Basically, your own insurance company steps in and pays your pain and suffering claim.

Why is this a good idea?  Supposed you are involved in a serious car accident.  This accident was not your fault.  The person who struck you did not carry auto insurance.  Now you are seriously injured.  You life is no longer what it was.  Your work and family are impacted.  You want to be compensated for your pain and suffering but have no where to turn.  That is where your own unisured motorist coverage comes into play.

Please call, we are always more than happy to discuss these matters free of charge.

Many times old clients of our firm contact us to make sure their insurance coverage is adequate.  We are always more than happy to talk to you about your automobile insurance policy.  We may be able to explain some aspects of your policy that you do not understand.  It may help to have an attorney’s perspective on your policy.  Make sure your coverage is what you want and expect.  There is nothing more frustrating than getting into an auto accident and not having the coverage you thought you had.

Please see our no fault/PIP information page for more information on this topic.

You may also be interested to read this information provided my the State of Michigan:  https://www.michigan.gov/documents/cis_ofis_ip202_25083_7.pdf