Understanding Uninsured Motorist (UM) and Underinsured Motorist (UIM) Coverage
Driving in Washington can be unpredictable. Even the most responsible drivers face the risk of accidents caused by others. Unfortunately, a significant number of Washington motorists either lack insurance altogether or carry inappropriate coverage. This is where uninsured/underinsured motorists’ coverage (UM/UIM) comes into play. It offers a crucial layer of financial protection for you if your car is hit by an uninsured or underinsured driver’s car. In other words, UM/UIM coverage protects you in the event of an accident.