Washington law requires drivers to carry liability insurance, but the mandatory minimums are relatively low. When a seriously injured person is hit by a driver carrying only minimum limits, those limits can fall far short of the actual losses.
The Mandatory Minimums
Washington requires minimum liability coverage for bodily injury and property damage under RCW 46.30. These minimums are intended as a floor, not adequate protection for serious injuries.
Many drivers carry only the minimum, which is quickly exhausted in a major crash.
When Minimum Coverage Isn't Enough
A catastrophic injury can generate medical bills far exceeding minimum limits. This is where your own underinsured motorist (UIM) coverage becomes critical.
UIM coverage fills the gap between the at-fault driver's limits and your actual damages.
Protecting Yourself
Carrying robust UM/UIM coverage is one of the best ways to protect yourself against underinsured drivers. Many people have more coverage than they realize.
If an underinsured driver hurt you in Washington, a free case review can help identify available coverage.
Have questions about your own situation? Get a free, confidential case review. You pay no fee unless you win. Call 973-566-5599.
This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Washington attorney.