Uninsured Motorist Coverage — WA
Uninsured motorist coverage pays your medical bills and vehicle damage when you're hit by a driver with no insurance or insufficient coverage to pay your claim.
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What Is Uninsured Motorist Coverage Insurance?
Uninsured motorist coverage (UM) activates when another driver causes an accident and either carries no insurance or their liability limits are too low to cover your damages. It pays your medical expenses, lost wages, vehicle repair costs, and pain and suffering up to your selected limit. The coverage splits into two components: uninsured motorist bodily injury (UMBI) covers medical bills and injury-related costs, while uninsured motorist property damage (UMPD) covers vehicle repair or replacement.
Who Needs Uninsured Motorist Coverage Insurance?
Suspended license drivers reinstating in Washington should strongly consider UM coverage because you're statistically more likely to encounter uninsured drivers in the risk pools you'll share post-reinstatement. If you're filing SR-22 after a DUI, lapse, or excessive points violation, you'll typically be assigned to non-standard carriers whose customer base includes higher uninsured motorist rates than standard market averages. Once reinstated, one accident with an uninsured driver could trigger another suspension cycle if you're stuck with unpaid medical bills or vehicle damage you can't afford to repair.
If you're reinstating on a tight budget, prioritize UM bodily injury first—medical bills bankrupt far more drivers than vehicle repair costs do.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Your base liability limits—carriers price UM as a percentage add-on to liability premium, so higher liability limits increase UM cost proportionally
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