What to do when the negligent driver is uninsured
According to the Washington State Insurance Commissioner, approximately 16% of Washington drivers are uninsured. Being involved in an accident where the other driver has no insurance can be a disappointing process. In many cases, it can be difficult to make a claim against the uninsured motorist since the value of their assets isn’t enough to justify litigation, which is probably why they couldn’t afford car insurance to begin with.
If you were hit by an uninsured or underinsured driver, or were the victim of a hit and run accident, you still may be able to collect damages. Our attorneys will work with you to explore your own auto insurance policy coverage, which may insure you, as well as any passengers in your vehicle who suffer bodily harm, against a driver with no insurance.
It’s critical that you consult with an experienced attorney before speaking with your insurance company. Even though they represent you, your insurance company is going to do everything they can to minimize the amount paid to you. You need an attorney before the insurance adjuster calls.
Uninsured Motorist Law (UM) varies from state to state, and insurance companies know how to take advantage of these differences. However, if your policy includes uninsured motorist coverage, you can make a claim against your own insurance company to recover damages. This type of coverage generally pays for:
- Medical expenses;
- Loss of wages;
- Pain, suffering and permanent injury; and
- Loss of earning capacity in the future
Your insurance company may not provide necessary compensation automatically, and even when claims adjusters agree that coverage applies, there may not be enough coverage to compensate a victim adequately for medical expenses and related losses. Remember this: you paid for your policy, and you have a right to collect from it. This is exactly where our staff of skilled Seattle personal injury lawyers will help.
As with all personal injury cases, it’s important that you act quickly before time limits run out and your claims are forever barred. Call Perez & Perez Law, PLLC today for a free consultation.