I hit a pedestrian, my WA state insurance has bodily injury liability limit of 100K/300k, and my insurer has said the pedestrian's leg injury (surgery, hospital stay) might exceed the value of my policy. However they haven't said anything about my UIM policy ... How does my Uninsured Motorist Bodily Injury 100k/300k factor in this ? Does my UIM apply to a pedestrian on top of my bodily injury insurance ?
Best bet is to retain local independent counsel to protect your interests and assets
UIM coverage usually is limited for your benefit when you are injured in an accident with an underinsured party.
Your UIM does not factor into this. No, your UIM does not apply to this incident.
This is not legal advice.
No, but your PIP would probably cover medical expenses up to your PIP limit. If the pedestrian has auto insurance, and if the value of the claim exceeded your liability limits, his or her UIM coverage would apply.
Your UIM does not cover the pedestrian. However, your PIP coverage would apply to cover medical expenses and wage loss up to the limits of the coverage. Your best bet is to tell the insurer to keep you closely informed of the settlement negotiations and advise you if it appear the claimant does not intend to accept a policy limits offer. The pedestrian can make a UIM claim against his own insurer.
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