Ranked the 5th state in the nation with the most uninsured drivers, 21.5% of drivers on the road in Washington don’t carry insurance, even though it is required by law. That’s over 1.2 million people driving without insurance!
So what happens if you’re in an accident caused by an uninsured driver?
This happened to me, making this topic hit especially close to home. The summer before I left for college, I was t-boned by an uninsured driver who ran a red light. I came out with a totalled car and about a year of trips to the chiropractor. (Funny, the driver actually fled the scene on foot. He saw the damage he did and got the heck out of there.)
The owner of the car (who was conveniently not the fleeing driver), was uninsured. Luckily, the car was replaced and my chiropractor and hospital bills were covered by my parent’s car insurance. But if their policy didn’t have uninsured motorist coverage, things might have been different.
Now, as an insurance agent, I remember this accident every time I quote uninsured motorist coverage. It's no question that any policy I issue for my clients should have uninsured motorist coverage. One in five drivers isn’t a risk worth taking.
I hope you never experience an accident with an uninsured driver. But should you, let’s make sure you’re covered.