What is uninsured/underinsured motorist coverage? Here, we discuss why this auto insurance coverage is important if you’re hurt in a crash.

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One Type of Auto Insurance You Want to Purchase: Uninsured/Underinsured Motorist Coverage

In the state of Washington, all drivers are required to purchase a minimum amount of auto liability insurance coverage. Unfortunately, some people violate this state law and drive a motor vehicle with no insurance. If a negligent driver only purchased the minimum required insurance, this could be far short of the amount you need to fully compensate you for your injuries in a car accident. Here, we discuss an important type of insurance that you want to purchase to protect yourself and your family when the negligent driver has no or little insurance coverage.

What Is Uninsured and Underinsured Motorist Coverage?

In Washington, drivers are required to purchase automobile liability coverage of 25,000 per person/$50,000 per accident for personal injuries and $10,000 per accident for property damage caused in an accident. If you or a family member suffered any injuries other than the most minor ones, the damages that you are entitled to be reimbursed for could be significantly more than this amount. You can protect yourself by purchasing this additional motor vehicle coverage:

  • Uninsured/Underinsured motorist coverage. Uninsured motorist coverage protects you if the negligent driver had no auto insurance. You can make a claim under your policy for your medical expenses, lost wages, and pain and suffering up to the policy limits. This insurance coverage also protects you when the negligent driver has insurance coverage but it is not sufficient to fully compensate you. For example, if you have 100,000 in underinsured coverage and the at-fault driver had the minimum of $25,000 in coverage, you could file a claim with your own insurance company for up to $75,000 in additional damages that you suffered.

When you are on the road, you can never know if you will be the victim of a car wreck or whether the driver will have any or sufficient insurance coverage to compensate you for your injuries. If at all possible, you want to purchase uninsured/underinsured motorist coverage to protect yourself in this situation. If you are like most people, it would be financially devastating to be off work recovering from your injuries for weeks, months, or longer with no wages and to owe expensive medical bills when there is no insurance coverage to help.

Let Us Help You File Your Uninsured/Underinsured Motorist Coverage Claim

If you or a loved one was the victim of a car accident, you need the help of an experienced car accident attorney to identify all sources of insurance coverage and to negotiate your settlements—even with your own insurance company. Call our office today to schedule a free consultation to discuss how we can help you file a claim with the negligent driver’s insurance company and under your own insurance policy if you purchased uninsured/underinsured motorist coverage.