The fact is, that now more than ever, it is important for driver’s to have good policy limits. That is, policy limits for bodily injury in case you cause an accident and injure someone. But what happens when you suffer devastating and life changing injuries in a car accident that is not your fault? Grand Rapids Auto Accident Lawyer Most people think, don’t worry, I’ll sue. Not so fast. What happens if the person who hit you only has $20,000.00 of insurance and no assets. Some people will get insurance off the internet and get the cheapest policy just so they can driver the off the lot. The only way you can protect yourself is with uninsured or under-insured motorist coverage.Uninsured and Under Insured Motorists in Michigan For instance, if you have uninsured motorist coverage of $250,000.00 and you are injured by someone with $20,000.00 policy limits, you can recover up to $230,000.00 from your policy. I see plenty of people who make the mistake of having low policy limits and later regret that decision.