{"id":881,"date":"2015-03-03T18:15:46","date_gmt":"2015-03-03T18:15:46","guid":{"rendered":"http:\/\/www.nelsonboydlaw.com\/blog\/?p=881"},"modified":"2021-09-03T15:57:29","modified_gmt":"2021-09-03T15:57:29","slug":"legal-tip-of-the-week","status":"publish","type":"post","link":"https:\/\/www.nelsonboydlaw.com\/blog\/legal-quizzes\/legal-tip-of-the-week\/","title":{"rendered":"Legal Tip of the Week: The Benefit of (UIM) Underinsured Motorist Insurance"},"content":{"rendered":"

In Washington state, drivers are only required to have liability insurance coverage\u00a0in the amount of $25,000 \u201cper person.\u201d If you are injured as a result of another\u00a0driver\u2019s negligence and you incur medical expenses of $20,000, wage loss of $8,000,\u00a0and pain and suffering, how much money can you receive for your case, even if the\u00a0at-fault driver has \u201cfull coverage\u201d?<\/p>\n

(a) $20,000
\n(b) $25,000
\n(c) $28,000
\n(d) It depends<\/p>\n

Correct Answer: D<\/strong><\/p>\n

The amount of money you can recover on your case often depends on how much\u00a0insurance coverage YOU have. If the other driver has only $25,000 and you do not\u00a0have Underinsured Motorist insurance, you will be limited to recovering only\u00a0$25,000, regardless of your injuries and losses (unless the other driver has\u00a0significant assets that can be collected \u2013 this is very rare). However, if you purchase\u00a0UIM insurance, that amount of money is added to the amount of insurance coverage\u00a0that the negligent driver has. For example, if you have $100,000 in UIM coverage\u00a0and the negligent driver has $25,000 in liability insurance, the most you can recover\u00a0is $125,000. You are entitled to seek recovery for your medical expenses, past wage\u00a0loss, future wage loss, and pain and suffering. The pain and suffering damages\u00a0generally exceeds the total amount of your medical expenses and wage loss.\u00a0EVERYONE should have as much UIM insurance as they can afford! Don\u2019t rely on a\u00a0bad driver to have sufficient insurance coverage to fully compensate you.<\/p>\n

Tip to protect yourself:<\/strong> Check with your insurance agent today to make sure you\u00a0have UIM insurance<\/a> on your auto insurance policy.<\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":4,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[94],"tags":[26,98,97],"class_list":["post-881","post","type-post","status-publish","format-standard","hentry","category-legal-quizzes","tag-insurance","tag-seattle-lawyers","tag-uim-insurance"],"acf":[],"yoast_head":"\nLegal Tip of the Week: The Benefits of UIM Insurance<\/title>\n<meta name=\"description\" content=\"The amount of money you can recover on your case often depends on how much insurance coverage you have. 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