What is UIM Property Damage Coverage?

The injury lawyers at Bishop Legal help victims of serious accidents recover in Washington State. If you or a loved one has been seriously injured in an accident, please call Bishop Legal at 1-800-291-1821.

If you are involved in an auto accident and the other driver is uninsured, or does not have enough insurance, you can use your Uninsured-Underinsured or UIM coverage to pay for the damage to your car.

UIM is an important type of auto insurance coverage. In fact, in some states it is mandatory. Where I practice law in Washington State, it is optional, but insurers are required to obtain a signed waiver of coverage from their insureds.

In Washington, the minimum property damage liability limits are only $10,000. With the cost of vehicle repairs these days, $10,000 is not very much. Washington drivers can purchase optional higher liability limits.

Where UIM coverage steps in, is if the driver does not have enough liability insurance to cover the damage to your car, or is uninsured. UM/UIM coverage would also cover the unfortunate event of a hit and run collision, where the at-fault driver flees the scene of the accident without being identified.

Bishop Legal practices personal injury law and similar principals apply with a UIM bodily injury claim. If you have been seriously injured in an auto accident in Washington State, I can help. Please call Bishop Legal at 1-800-291-1821 if we can be of assistance.