What’s Uninsured/Underinsured Motorist (UM/UIM) insurance and how does it work?
Uninsured Motorist (UM) and Underinsured Motorist (UIM) insurance is coverage under an injured person’s own auto policy. UM/UIM insurance comes into play when the at-fault driver’s insurance limits aren’t enough to cover the injured person’s claim. In Washington State, insurers must offer UM/UIM coverage equal to the amounts of the liability coverage purchased. UIM/UM coverage can only be rejected in writing.
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