Uninsured/Underinsured Motorists
In Washington State, about 18 percent of drivers are uninsured, which means that they do not have any form of auto insurance coverage. This number means that as a driver, you face the possibility of getting into an accident with an uninsured driver one out of five times. Washington State does not require drivers to present proof of liability insurance in order to register a vehicle, renew a registration or even to get a driver's license. Washington State's at-fault stature requires that the person responsible for causing the accident to pay all costs related to the accident. That includes property damage, loss of wages, medical expenses and other related damages.
Liability Insurance Versus Uninsured Motorist Coverage
Liability insurance, which is the main component of any auto insurance policy, makes sure that you are covered in the event that you injure someone else. In Washington State, drivers also have the option to choose what is known as "uninsured/underinsured" motorist coverage. This is the clause in your insurance policy, which covers your damages if the at-fault party in your auto accident case is uninsured or underinsured. This basically means that the at-fault driver lacks insurance coverage or that his or her liability insurance coverage is simply not sufficient to compensate you for your injuries, damages and loss.
Remember that if the driver who caused the accident you were involved in does not have auto insurance, it is still possible for you to recover damages. This is why it is important for motorists to opt for uninsured/underinsured motorist coverage. While liability insurance is important, it actually covers someone who is injured as a result of your actions. However, uninsured/underinsured motorist coverage is what really protects you in the event of a crash. This coverage allows you to collect damages from your insurance company in the event that you are hit by an uninsured or underinsured river.
How An Experienced Car Accident Lawyer Can Help
It is also very important that you contact an experienced Seattle auto accident lawyer soon after a car accident so that he or she may advise you about your legal rights and options in such cases. In some instances, you may be able to pursue legal action against your own insurance company for damages caused by an uninsured motorist. You need an experienced and skilled car accident lawyer on your side who has successfully handled uninsured motorist car accident claims. A knowledgeable Washington personal injury attorney will also be able to read your auto insurance policy and determine the appropriate course of action to help you recover fair compensation.
It is always good to know what type of insurance coverage you have even before you get into an accident. First, check your policy to see if you have coverage for uninsured motorist accidents. If not, ask your insurance company for information about buying uninsured motorist coverage. Always remember to receive the terms of the insurance agreement in writing.
IF YOU, OR A LOVED ONE, HAVE BEEN SERIOUSLY INJURED IN A CAR ACCIDENT IN WASHINGTON - CALL TODAY FOR A FREE CONSULTATION!
