Question 1

Does Michigan have an uninsured or underinsured motorist statute?

Accepted Answer

No. The former uninsured motorist section, MCL 500.3010, was repealed by Act 345 of 1972, effective October 1, 1973. UM and UIM coverage in Michigan is whatever the policy provides, so read your policy's UM/UIM endorsement and declarations page.

Question 2

Does Michigan allow UM/UIM stacking?

Accepted Answer

The statutes do not say, because they do not regulate UM/UIM at all. Whether limits combine, and whether the other driver's coverage is added to or subtracted from yours, depends on your policy wording. We did not read Michigan court decisions on how clear anti-stacking language is enforced, so ask an attorney.

Question 3

When can I recover for pain and suffering after a car accident in Michigan?

Accepted Answer

Only if you suffered death, serious impairment of body function or permanent serious disfigurement. A serious impairment is objectively manifested, affects an important body function and affects your general ability to lead your normal life, with no minimum duration (MCL 500.3135).

Question 4

What if I was partly at fault?

Accepted Answer

Damages are assessed on comparative fault, but none may be assessed in your favor if you were more than 50 percent at fault, or if you were driving your own vehicle without the required security (MCL 500.3135(2)).

Question 5

How long do I have to sue, and what are the liability limits?

Accepted Answer

Generally 3 years after the injury (MCL 600.5805(2)). New policies default to $250,000 per person and $500,000 per accident for bodily injury and $10,000 for property damage, and you may choose lower limits, but not below $50,000 and $100,000 (MCL 500.3009).

Michigan UM/UIM Stacking Calculator

Estimate your UM/UIM benefits

Michigan has no UM/UIM statute, so your policy decides, but the no-fault act sets the tort claim behind it

Michigan UM/UIM Stacking Calculator

Estimate your UM/UIM benefits

Michigan has no UM/UIM statute, so your policy decides, but the no-fault act sets the tort claim behind it

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