Although Washington auto insurance law does not require drivers to carry uninsured or underinsured motorist insurance, Washington insurers are required to offer it and drivers are well-advised to purchase it. The Insurance Research Council reports that about 16 percent of Washington drivers do not carry auto liability insurance, even though the law requires it. If you get into an accident with an uninsured driver and you have no uninsured motorist insurance that will cover your losses, you will probably end up having to bear your own losses if the at-fault driver cannot afford to pay your claim. Likewise, you could end up unable to cover part of your claim if its value exceeds the limits of the at-fault driver’s insurance policy.