Is Uninsured Motorist Coverage Required in Washington State?
Auto insurance can be complicated, especially when it comes to understanding the types of coverage available – and what’s required by law. One common question Washington drivers ask is whether uninsured motorist (UM) coverage is mandatory. The short answer? No, uninsured motorist coverage is not required in Washington State. However, that doesn’t mean you should go without it.
If you’ve been involved in an accident with an uninsured or underinsured driver, our legal team of Tacoma uninsured motorist accident lawyers at Brumley Law Firm can help you recover the compensation you deserve. Call us now at (833) 832-2727 or complete our online form to schedule your free consultation today.
What Is Uninsured Motorist Coverage?
Uninsured motorist (UM) coverage protects you if you’re in a crash caused by a driver who doesn’t have liability insurance. A related coverage type, underinsured motorist (UIM) coverage, helps when the at-fault driver has insurance, but their policy limits aren’t enough to fully cover your losses.
These coverages typically pay for:
- Medical expenses
- Lost wages
- Pain and suffering
- Funeral costs (in fatal accidents)
Without UM or UIM coverage, you could be forced to pay out-of-pocket for damages if the other driver can’t cover them – and unfortunately, that situation is more common than you might think.
Is It Required in Washington?
Washington law does not require drivers to carry uninsured or underinsured motorist coverage. However, insurance companies must offer it when you buy a policy. If you choose to decline UM/UIM coverage, you’ll need to do so in writing.
According to the Washington State Office of the Insurance Commissioner, your insurance provider is obligated to explain your options clearly and document your decision to waive this type of protection.
Why You Should Strongly Consider It
Even though it’s optional, uninsured motorist coverage can be crucial for your financial and physical well-being after an accident. As of recent data, roughly one in five drivers in Washington may be uninsured. That means every time you’re on the road, there’s a real risk you could be hit by someone who lacks the means to pay for your injuries or damages.
UM and UIM coverage is typically affordable and provides peace of mind. In the event of a hit-and-run accident – where the at-fault driver can’t be identified – UM coverage can also step in to cover your losses.
How Much Coverage Do You Need?
You can typically purchase UM/UIM coverage in the same amounts as your liability limits. The minimum liability coverage required in Washington is:
- $25,000 for injury or death to one person
- $50,000 for injury or death to two or more people
- $10,000 for property damage
However, those minimums may not go very far after a serious accident. Increasing your UM/UIM coverage limits is a smart move, especially if you don’t have substantial savings or health insurance.
Protect Yourself Before the Unexpected Happens
Car accidents are stressful enough without the added worry of how you’ll pay for injuries caused by an uninsured driver. While uninsured motorist coverage isn’t required in Washington State, choosing to add it to your policy could save you from significant financial hardship.
If you’ve been hit by an uninsured or underinsured driver in Washington, don’t navigate the insurance process alone. Call the Tacoma car accident attorneys at Brumley Law Firm today at (833) 832-2727 or complete our online form to schedule your free consultation. We’re here to protect your rights and help you move forward.