PLMImedium
Under Michigan law, how must an auto insurer handle uninsured and underinsured motorist coverage when issuing a private passenger policy?
AUM/UIM is mandatory at the same limits as residual BI
UM/UIM must be offered; rejection of the offer must be in writing
CUM/UIM is automatically included unless the insured pays a lower-tier premium
DUM/UIM is prohibited because PIP replaces it
Why this is the answer
Michigan does not mandate UM/UIM, but MCL 500.3010 requires that the insurer offer it in connection with every auto liability policy. The insured may reject the coverage, and the rejection must be documented in writing. Absent a written rejection, courts may impose UM/UIM at policy BI limits.
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