Does Michigan Allow UM/UIM Stacking? What the Statutes Say

By the FigureMyTax Editorial Team · How we calculate

Michigan's uninsured motorist statute was repealed effective October 1, 1973, so no statute permits or bars UM/UIM stacking. Your policy wording controls, within the tort rules of the no-fault act.

The repealed statute

MCL 500.3010 now reads only that it pertained to uninsured motorist coverage and was repealed by Act 345 of 1972, effective October 1, 1973.

What the no-fault act still controls

A person remains liable for noneconomic loss from a motor vehicle only if the injured person has suffered death, serious impairment of body function or permanent serious disfigurement. Damages are assessed on comparative fault and not in favor of a party more than 50 percent at fault, or of a party driving his or her own vehicle without the required security (MCL 500.3135(1) and (2)).

Liability limits behind the claim

New policies carry default liability limits of $250,000 per person, $500,000 per accident and $10,000 for property damage, and a buyer may choose lower limits, but not below $50,000 and $100,000, on a signed form (MCL 500.3009). Higher limits on the other driver mean less need for UIM.

What it leaves open

Nothing in these sections says whether limits on several policies add up or what an anti-stacking clause may do. We did not read Michigan decisions on enforcement. Ask an attorney before assuming your limits add up or do not.

How to use this

Compare the single-policy and combined results in the Michigan UM/UIM stacking calculator, start with the plain-English stacked versus single-policy explainer, and read how UM and UIM work under Michigan no-fault.

This is general information, not legal advice, and the state comparisons above are illustrative, not an exhaustive survey. Confirm how Michigan's rules apply to your specific case with a licensed Michigan attorney.