Uninsured Motorist Claims in Michigan

Uninsured Motorist Claims in Michigan

If you've been involved in a uninsured motorist in Michigan, understanding your state's specific laws is critical to getting fair compensation. Michigan is a no-fault state, meaning your own PIP insurance pays first.

Michigan Laws Affecting Uninsured Motorist Claims

• Fault System: Michigan is no-fault
• Statute of Limitations (Injury): 3 years
• Statute of Limitations (Property): 3 years
• Minimum BI Coverage: 50/100
• PIP Required: Yes
• UM/UIM Required: No

Filing a Uninsured Motorist in Michigan

Step 1: Report and Document

After your uninsured motorist in Michigan, call 911 if needed and document everything. Michigan law requires accident reports and you should file a PIP claim with your own insurer promptly.

Step 2: Medical Attention

Seek medical care within 72 hours. In Michigan, delays in treatment are used by insurers to argue your injuries aren't related to the accident.

Step 3: File Your Claim

File a PIP claim with your own insurer first. If injuries meet the serious injury threshold, you may pursue a third-party claim.

Step 4: Negotiate Your Settlement

Uninsured Motorist settlements in Michigan depend on:

• Severity of injuries and property damage
• Clarity of liability
• Available insurance coverage
• Your documentation quality
• Whether you use the Michigan Department of Insurance for disputes

Average Uninsured Motorist Settlements in Michigan

Settlement values in Michigan for uninsured motorist claims vary based on injury severity, but Michigan's no-fault threshold requirements mean you need to prove serious injury to access full tort damages.

Michigan Department of Insurance

If your uninsured motorist claim is mishandled:

• DOI Phone: 517-284-8800
• File a formal complaint for unreasonable delays or unfair practices

Tips for Michigan Uninsured Motorist Claims

1. Document everything — photos, medical records, witness info
2. Know your deadlines — 3-year statute of limitations for injury in Michigan
3. Don't accept the first offer — negotiate with evidence
4. Consider an attorney for claims over $15,000 or disputed liability
5. Use InsurifyAI to analyze your claim against Michigan-specific data

This guide covers uninsured motorist claims specifically in Michigan. Laws vary — verify current regulations with the Michigan DOI.

Last updated: April 2026 | Source: InsurifyAI Knowledge Hub