UIM Coverage
What You Should Know About:
Protecting Yourself from Uninsured Drivers
Uninsured & Underinsured Motorist Coverage Helps YOU Recover
Three things you should know:
- More than one in seven drivers in the U.S. was uninsured in 2023, and more than one in six was underinsured, according to the Insurance Research Council. Even among insured drivers, most carry only the minimum required liability coverage.
- In 2022, the Insurance Information Institute ranked Washington 12th in the nation for uninsured drivers (16.5 percent). Oregon ranked 24th (12.3 percent), while Idaho ranked 49th (6.2 percent).
- Uninsured/Underinsured Motorist coverage pays for injuries or damages to you, your passengers and your vehicle if the party at fault is uninsured or underinsured.
Uninsured/Underinsured Motorist Bodily Injury (BI) and Property Damage (PD) Coverage
This coverage pays for injuries to covered drivers and passengers, and to help repair or replace a damaged/destroyed vehicle, if the at-fault driver carries no liability insurance, or if the crash was due to a “hit and run.”
This coverage also applies when the at-fault driver carries liability insurance, but the policy limits are insufficient to cover the cost of your injuries or damages, or if you or an insured family member are injured by an uninsured/underinsured driver while you are a pedestrian.
Uninsured/Underinsured Motorist Bodily Injury coverage is optional for drivers in Washington and Idaho but is required coverage for drivers in Oregon. Uninsured/Underinsured Motorist Property Damage coverage is optional in all three states. If you choose not to purchase Uninsured/Underinsured Motorist coverage, you may be required by state law to sign a waiver.
Additional Resources: