We have been hearing about minimum auto insurance policies nonstop these days. It seems like everyone has a bare minimum auto policy now, like there was some kind of horrible insurance flash sale that happened.
This is bad from all angles, whether (a) you end up connected to the policy of an at-fault driver who does not have enough insurance to cover the injuries they caused to you, AND-SLASH-OR (b) your own underinsured policy is not enough to cover your own injuries and you happened to be hit by a vehicle driver who has no or low insurance (see scenario (a)).
STOP THE MADNESS!
Check your auto policy and make sure you have MORE than $25,000.00 of liability coverage and $25,000.00 in underinsured motorist coverage. $25k is the bare minimum in Washington state. Underinsured motorist coverage is what protects you when you get hit by someone else who had failed to carry enough coverage themselves. Need we point out that you cannot control who hits you?
In Washington state, your liability coverage must match your UIM coverage, so increasing one should automatically increase the other. But increase both manually anyway, because you are on the phone or computer already!
$25,000.00 may seem like a lot of money, but it is not a lot of coverage for an injury claim, especially after your medical care is factored in.
Insurance is boring to talk about and listen to, but hear our plea — check your policy and INCREASE your coverage, for the sake of yourself and whoever else rides in your vehicle. $100k is better, $250k is better better, $500k and above is best.
Lauren Dayani is the lead personal injury attorney at Dayani Law Firm. She offers free consultations and speaks honestly about your options after an injury. Send her a message below or call directly for a consult at (206) 777-5627