You have a right to use your uninsured motorist coverage but I would check to make sure the amount you are stating is accurace. Here in WA state UM coverage is usually the same as your liability coverage and the minimal amount of liability coverage is $25,000. You may be looking at your Personal Injury Protection coverage (PIP) rather than your UM coverage. PIP is usually $10,000. PIP is a no-fault coverage that will pay for you medical bills. You should use PIP if you intend to get treatment.
Answered on Jan 07th, 2016 at 8:01 AM