Most drivers carry car insurance, but not all insurance is created equal. In Washington State, the minimum required liability coverage is just $25,000 per person—which may barely cover a trip to the emergency room. That's where Underinsured Motorist Coverage (UIM) steps in.
If you're seriously injured and the driver who hit you doesn't carry enough insurance, your UIM coverage can save the day—and possibly your financial future.
What Is Underinsured Motorist Coverage?
UIM coverage helps protect you when:
- • You're in a crash caused by another driver
- • Their liability insurance isn't enough to pay for your injuries, lost wages, and other damages
- • You have your own UIM policy that fills the gap
This coverage kicks in after the at-fault driver's insurance pays out, ensuring you're not stuck covering costs they couldn't.
Real-World Example:
A client suffers a neck injury in a rear-end crash caused by a driver with only minimum coverage. Medical bills and wage loss total $80,000. The at-fault insurer pays their $25,000 limit. Thanks to UIM, the client's own policy pays the remaining $55,000, something they wouldn't receive without this coverage.
Why It's Crucial in Personal Injury Cases
At Eastside Injury Law, we've seen firsthand how UIM makes the difference between recovery and hardship. Here's why it matters:
- • Many drivers in Washington carry low-limit insurance
- • Serious injuries often exceed those limits, especially with hospital stays or surgery
- • Without UIM, clients can be left with unpaid bills, strained credit, or compromised care
- • With UIM, we can recover full compensation through your own policy, with no delay waiting for another insurer to act
Is UIM Mandatory in Washington?
No, but it's strongly recommended. Washington law requires insurers to offer UIM, but drivers can opt out in writing. Unfortunately, some people decline it without understanding what's at stake.
We advise our clients to carry UIM coverage equal to their liability limits, or more if available.
Eastside Injury Law: Fighting for Full Recovery
We advocate for every dollar our clients need—not just from the at-fault party, but also through their own insurance. Our team:
Contact Eastside Injury Law today for a free consultation. Let us help you understand your insurance options before and after an injury, and ensure you're never left unprotected.
Eastside Injury Law serves clients in Issaquah, Snoqualmie, North Bend, and throughout Washington State.