Uninsured Motorist Coverage: Washington

No, uninsured motorist coverage in Washington is not mandatory, but it needs to be, because 18% of Washington motorists are uninsured. So how does uninsured motorist insurance coverage work? In general, uninsured motorist protection is a protection under which the person’s insurance company will cover damages caused by a driver who is without automobile liability insurance or that has less than the minimum car insurance mandated by the state, or is underinsured. UM/UIM protection is often termed Washington hit-and-run insurance coverage.

It may seem unjust that you may be forced to pay for healthcare fees incurred in a collision with a driver that is not insured, and that’s the reason Washington uninsured motorist insurance is so worthwhile. Yes, uninsured motorist coverage would be beneficial, but how much money will it set you back? A lot less than you think! It is crucial to compare rates on Washington uninsured motorist coverage between insurers. For that reason we allow you to compare rates from the leading providers of Washington UM/UIM coverage – online!

Washington Uninsured Motorist Law

No, Washington uninsured motorist insurance is mandatory. To be thoroughly insured in the state of Washington, a road user needs to have a certain degree of coverage. Listed below are the liability protections they must have:

  1. For one person injured in an accident: $25,000
  2. For all of the persons injured in an accident: $50,000
  3. For property damage in an accident: $10,000

Without this amount of coverage, at minimum, a motorist will be underinsured. In cases like this, UM/UIM protection ought to cover the discrepancy between how much the motorist responsible is able to cover, and how much is owed.

Injured By Uninsured Motorist in Washington?

Have you been injured by an uninsured motorist? It certainly seems unfair to be denied payment just because the other motorist who caused the accident didn’t purchase car insurance, and the legal system may agree. Don’t forget, it’s important to get an attorney to review your uninsured motorist or hit and run case.