Michigan auto accident attorney, Larry Gursten, urges Michigan drivers to protect themselves with uninsured and underinsured motorist coverage (UM/UIM). Larry explains the valuable benefits offered by these coverages and the risks of not having this in place if injured in a serious car accident. He also discusses appropriate policy limits, low premiums and mentions auto insurance companies that do and do not write UM/UIM (i.e., State Farm does not offer this important coverage) http://www.michiganautolaw.com