What is Underinsured/Uninsured Motorist or UIM Insurance?

Posted by Scott Edwards | Jan 19, 2015 | 0 Comments

With more motorists driving uninsured, stay protected in the event of an accident with UM or UIM insurance coverage.

Ever wonder what would happen in the event of an accident where the liable driver lacked an insurance policy? Outcomes of these situations depend on whether the other party carries Underinsured/Uninsured Motorist or UIM Insurance.

In Washington, UM/UIM insurance is written into all insurance policies in Washington unless the policyholder expressly refuses it.

The minimum limits are $25,000 per person and $50,000 per accident. UM/UIM insurance covers damages that an insured would be entitled to receive from a third party but, because the third party has no insurance or has insufficient insurance, the person is unable to do so. For example, if you are injured in a car crash and suffer $50,000 in damages, but the person that caused the crash is uninsured, UM/UIM insurance would step in to pay your damages up to your policy limit.

As the costs of medical care continue to rise and the numbers of uninsured/underinsured motorists on the roadways continue to increase, we see more and more clients needing to “use” their UM/UIM insurance. Hopefully you won't need to, but if you do, you want it to be there for you.

Talk to your insurance agent about this important insurance and consider increasing your limit beyond the minimum amounts required by Washington.

Learn more about uninsured motorist protection in our recent article, Pedestrians, PIP and Uninsured Motorist Protection.

About the Author

Scott Edwards

Scott Edwards is a partner at Schauermann Thayer Jacobs Staples & Edwards law firm. Scott is licensed in both Oregon and Washington, and has been practicing law since 2008. Though Scott started his career working for insurance companies, he now focuses his practice on personal injury, auto accident, biking accident, and insurance cases. In his free time, Scott enjoys spending time pedaling around the streets of Vancouver, Washington and Portland, Oregon on his bicycle.


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