Overview of UIM Coverage
A critical insurance coverage to have on your automobile policy is uninsured/underinsured motorist coverage. Referred to as "UIM" coverage, this pays for losses suffered by you and/or family members in the event of a collision involving a motor vehicle. This coverage will pay, up to the policy limit, the losses that the liable driver's insurance doesn't cover. Unfortunately, many drivers either have no insurance or they only have the Washington state minimum liability coverage of $25,000 bodily injury / $10,000 property damage. Any crash that causes significant injury, medical treatment, or property damage will quickly exceed these minimum amounts. If you or a loved one is involved in a crash with a motor vehicle, the UIM coverage will pay for losses that the liable driver's insurance doesn't pay for.
The amount of UIM coverage on an auto policy is frequently tied to the amount of liability coverage. For example, if you have $250,000 of bodily injury liability coverage, then you would also have $250,000 in UIM coverage. We strongly recommend paying for the highest amount of UIM coverage that you can afford.
