Do you have enough auto insurance coverage? You need to update your insurance policies every few years, yet many people neglect to do this. However, it is important that you do so. Adequate insurance will cover you for any mistakes you make, and provides coverage in case you’re injured by a driver who has no insurance or has inadequate insurance to compensate you for your loss. In Washington, your insurer must provide you with UIM, or uninsured/underinsured motorist, coverage. Buy the highest limits you can afford.         In the state of Washington, your insurer must also offer you Personal Injury Protection coverage, also known as PIP coverage. PIP insurance provides you and the occupants of your car medical coverage, lost income coverage, and coverage for household services. PIP coverage on a vehicle also covers pedestrians hit by that vehicle. To see if you are insured by PIP coverage, check your insurance policy.