Picture this: you’re cruising down the picturesque roads of Washington, surrounded by evergreens on a clear, crisp day, taking in the beautiful scenery, when BAM! Out of nowhere, you find yourself in a crash with an uninsured driver. Unfortunately, this happens all the time, as Washington ranks 5th in the country for uninsured drivers.
There’s a lot of irresponsible drivers out there. But that’s not the only reason to look hard at your insurance coverage. Sadly, a study recently found that Washington was the 2nd worst state in the entire country to drive in.
When the worst happens, clients always say that they have “full coverage”. That’s often not true. So, what can you do to protect yourself? The answer starts with Underinsured Motorist (UIM) coverage. Think of it as your trusty sidekick in the battle against uninsured drivers, or drivers who don’t have enough insurance to make up for your injuries. UIM coverage steps in when there isn’t any or not enough insurance, ensuring you’re not left holding the bag for your pain and suffering, loss of enjoyment of life, and the overal impact of the crash on your life.
Now, I get it, insurance lingo can be about as exciting as watching paint dry, but let’s break it down. UIM coverage is like having a magical shield that protects you from financial chaos when the unthinkable happens. It’s your insurance policy’s way of saying, “Don’t worry, we’ve got your back.”
Most of us have liability coverage that protects other people we may injure on the road. Protect yourself, be a little selfish, and make sure you have UIM coverage. What does it cost? Most of the time, it is significantly less than your liability coverage.
But that’s not all! Let’s talk about Personal Injury Protection (PIP). PIP covers your medical bills, lost wages, and other expenses after a collision. Trust me; PIP is the friend you want in your corner when life throws you a curveball. How much does it cost? I have $35,000 in PIP coverage and pay less than $10 a month. Everyone’s quotes will be a little different, but it’s worth it.
There are no excuses for not protecting yourself. In Washington State, insurance companies have to offer you UIM and PIP. Whatever you do, don’t waive it.
How much coverage should you have? You should have at least $100,000 in UIM coverage and $10,000 in PIP coverage. The more you get the better prepared you are.
Now go look at your policy and make sure you’re protected!
If you ever have any questions or find yourself in need of someone to fight for your rights, you know who to call—a personal injury trial lawyer who’s got your back, just like your trusty insurance coverage! Stay safe out there!