Is Self-Insurance Really Insurance? Uninsured Motorist and Personal Injury Protection Coverage Obligations for Self-Insurers - Part I/The Metropolitan Corporate Counsel

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This article, “Is Self-Insurance Really Insurance? Uninsured and Personal Injury Protection Coverage Obligations for Self-Insurers," discusses the obligations of self-insurers relating to personal injury protection (PIP) and uninsured/underinsured motorist (UM) coverage. According to authors Teena Killian and John Fetters, “courts in Washington and California seem to rely heavily on the notion that they cannot create obligations for self-insurers in the area of UM and PIP…because to do so would be to usurp the function of the legislature.” The authors suggest that the governments of Washington and Oregon are best equipped for enacting UM and PIP coverage requirements, noting that Oregon’s mandatory UM and PIP coverage was created by its state legislature.

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