In Washington, a driver can satisfy the law's requirement that every driver have insurance by purchasing a policy with a maximum limit of $25,000. This means that if a driver is negligent and causes injury to another person, the maximum amount available to pay damages from the insurance policy is only $25,000. In many cases, that will be insufficient to fairly compensate the injured person for his or her medical bills, lost wages, pain and disability.
Seattle Uninsured/Underinsured Motorist Accident Attorneys
Underinsured motorist coverage is available to provide additional compensation from your own insurance company when you are injured by another driver who has insufficient insurance to fairly compensate you for your injuries. When you purchase insurance, you should make certain to get underinsured or uninsured motorist coverage. Without this coverage, you may not be able to make a recovery if the negligent party fails to have adequate insurance. In most cases, you should carry a minimum of $100,000 in underinsured motorist coverage.
If you have been involved in an accident involving an underinsured motorist or uninsured motorist, our skilled attorneys can help you protect your right to fair compensation, both from at-fault parties if applicable as well as your own insurance company.
At Kraft Palmer Davies, PLLC, we represent individuals against reluctant insurance companies in complex cases involving uninsured and underinsured accident claims. For more information, contact us at 206-624-8844 or toll free at 800-448-8008.
Strong Representation Against Reluctant Insurance Companies
While the state of Washington does not require drivers to carry uninsured or underinsured insurance, it is often in your best interest to do so. If you have this coverage and you are involved in an accident with an underinsured motorist, your insurance company is required to pay the difference in compensation from what you recover from the at-fault driver's insurance policy, if he or she has any.
Unfortunately, however, you are most likely to find that your insurance company will seek to pay only the minimum amount required. You must be able to prove that the accident was caused by the underinsured motorist and that your injuries and property damage exceed the limits of his or her policy. Without an experienced attorney, you could settle for far less than you are entitled to. Additionally, there are specific procedures you must follow to file an underinsured or uninsured claim. If you do not follow them, you could waive your right to collect compensation at all.
The attorneys of Kraft Palmer Davies, PLLC, have extensive experience handling the issues involved in underinsured auto accident claims. When necessary, we consult with the best professional and medical experts to investigate the cause of your accident and medical significance of your injuries. By preparing each case for trial from the beginning, we seek to negotiate with your insurance company from a position of strength.
For more information or to schedule an appointment with our experienced Seattle underinsured accident claims lawyers, please contact us. We represent clients in Seattle, Tacoma, Everett and throughout the Puget Sound of Washington.