Even in a state with mandatory insurance, far too many drivers are uninsured or carry only minimal coverage. Washington law protects injured people through uninsured and underinsured motorist (UM/UIM) coverage, which can be the difference between full recovery and being left with the bill.
What UM/UIM Coverage Does
Uninsured motorist coverage pays when the at-fault driver has no insurance. Underinsured motorist coverage pays the gap when the at-fault driver's limits are too low to cover your losses. Both come from your own auto policy.
Under RCW 48.22.030, Washington insurers must offer UM/UIM coverage, and a rejection must be in writing. Many drivers have more of this coverage than they realize.
Why Insurers Resist UM/UIM Claims
A UM/UIM claim is made against your own insurer, which can create a surprising adversarial dynamic. Your insurer steps into the shoes of the at-fault driver and may dispute fault, injuries, or value just as the other side would.
Because of this, having an attorney for a UM/UIM claim is often just as important as in a claim against a third party.
Stacking and Multiple Policies
Depending on the policies involved, it may be possible to access coverage across multiple vehicles or policies. The rules are technical and fact-specific.
If an uninsured or underinsured driver hurt you in Washington, a free case review can help you understand what coverage may be available.
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.