As a prerequisite for obtaining vehicle registration, Michigan residents are required to purchase certain insurance coverage. MCL 257.518, 500.3009, .3131. The law requires that each driver carry minimum liability insurance of $20,000 for injuries to one person, $40,000 for each accident if multiple people are injured, and $10,000 for property damage. MCL 257.520. These minimum coverage limits are commonly referred to as 20/40/10 coverage.

But what happens if the injuries you sustain in a car accident exceed the $20,000 minimum policy of the driver who hit you? Even worse, what happens if the driver who hit you does not have insurance?