Accidents with Underinsured or Uninsured Drivers

Contact Our Seattle Car Accident Lawyer for a Free Consultation

Picture of rear-end car collisionIn Washington, drivers are expected to carry a minimum amount of insurance to cover injuries, fatalities and destruction of property. Despite this law, a surprising amount of Washington drivers are uninsured or underinsured. This can make it much more difficult to recover compensation that can cover your damages in full.

However, it is possible to recover compensation for an underinsured or uninsured motor vehicle accident in Washington. After your accident, contact a car accident lawyer as soon as possible to explore your options and ensure that your accident expenses are paid.

Herschensohn Law PLLC has extensive experience with accident claims. Seattle car accident attorney Zach Herschensohn can help you determine if it would be possible to recover compensation after a crash with an uninsured or underinsured driver. You can call us or use the contact form on our website to schedule a free consultation.

Money Recovery Where Damages Caused by Uninsured Drivers

You may have options to explore after being injured in a crash with an uninsured driver. For instance, you might be able to sue the other driver directly and go after their assets to cover the expenses associated with the accident. This may not be a viable option, as most drivers who don’t have insurance also do not have enough assets to cover damages caused by an accident. Most of the time, the best option is a first party claim against your own insurance company.

Consider covering your expenses through your personal injury protection. This is a no-fault coverage option that can pay for medical bills and lost wages. Check your insurance policy to see how much personal injury protection coverage you have.

The most common option is uninsured motorist coverage. Under Washington law, insurance companies must offer uninsured motorist protection. If your vehicle insurance policy has uninsured motorist coverage, then you may be able to recover damages from your own insurance provider. In most instances, this will not affect your premiums.

Options for Those Injured by Underinsured Drivers

What if the other driver has insurance but doesn’t have enough to cover the damages they caused in the crash? Even if a driver has enough coverage to meet minimum requirements in Washington, it is likely that the crash will quickly exceed their coverage limits.

Your uninsured motorist coverage should allow you to recover your expenses through your insurance company. For example, if you are involved in an accident that causes $100,000 in damages and the other driver only has $50,000 of coverage, you may go after your own insurance company for the remaining $50,000. You are limited by the amount of uninsured motorist coverage you have through your provider.

What to Do If Your Insurance Company Refuses to Cooperate

Uninsured motorist coverage should make drivers’ lives easier when they are injured in a crash caused by an uninsured driver. However, insurance companies may sometimes deny uninsured motorist claims, delay payouts or otherwise act in bad faith. If your insurance company outright denies your claim or makes it difficult to file a claim, then you need an attorney who is willing to fight on your behalf.

You should not always trust the information you get from your insurance company’s call center. They are often staffed by customer service agents with minimal understanding of insurance policies. Instead, take your policy to a Seattle uninsured driver accident attorney and find out what your policy includes. If your insurance company acts in bad faith, you can trust your attorney to defend your rights.

Remember, your insurance company is not doing you a favor by fulfilling the terms of your policy. You pay them every month to ensure that you have access to these services when you need them.

Stand Up for Your Rights with the Assistance of Herschensohn Law PLLC

Our Seattle car accident attorney may be able to help you recover compensation for your damages after a car crash. At Herschensohn Law PLLC, we are not afraid to stand up to insurance companies if it means getting you the compensation you deserve. Call us today at (206) 588-4344 to schedule your free consultation.