According to a recent study by the Insurance Information Institute, nearly 1 in 6 Washington motorists do not carry auto insurance. Among those insured, many only carry the minimum insurance policy required by Washington state. In a world filled with irresponsible drivers, carrying Uninsured/Underinsured Motorist Coverage(packaged together as UIM) is essential. What do you need to know about UIM coverage?

1. UIM is additional coverage that can be added to your car insurance policy. If you are hit by an uninsured driver, an underinsured driver, or are the victim of a hit-and-run, UIM coverage will help pay for your property damage, medical bills, and even your pain and suffering.
2. Unlike many states, Washington does not require you to carry UIM insurance. Note the phrase “full coverage” has no formal definition. Do not assume “full coverage” includes UIM coverage, it likely doesn’t!

In Washington state, insurance companies must offer UIM coverage. If you wish to reject this coverage, you must do so in writing. We recommend you do not reject it!

While the above is helpful for those who have not yet been in a collision, what are the best steps for those who have been hit by an uninsured driver?

Take photos. Uninsured drivers are much more likely to flee the scene. Do your best to (safely) get a photo of their license plates. If they remain after the collision, get a photo of their driver’s license.

Call the Police.

Get as much information as you can from the at-fault driver. Even if they are not insured, the vehicle may be registered to someone with insurance.

Ask if they are on the job, and if so, who they are employed by. The at-fault party may have coverage through their employer.

Call your insurance company and report the collision with an uninsured motorist. Ask about your coverage and your limits. If you insurance company claims you have no UIM coverage, they must provide your signed rejection upon request. If they cannot produce your signature, you may be insured.

If you have been in a collision an uninsured driver, an underinsured driver, or are the victim of a hit-and-run, you may benefit from representation. Call Campbell Barnett at 253-848-3513 for a free case review.