It is estimated that over 21% of Seattle drivers are uninsured. This puts Washington in fifth place among states with the most uninsured drivers and is significantly higher than the national average of 12.6%.
While driving without insurance is against the law, thousands of people do it anyway. If you are involved in an accident with an uninsured driver, you may wonder what legal options you have for compensation.
Even though this can be challenging, it is not impossible, and several options exist. At Bernard Law Group, our experienced car accident attorneys in Seattle are ready to review your case and help you seek justice for the injuries and damage you suffered.
Here, you can learn more about what to do when you are involved in an accident with an uninsured driver.
Understanding Uninsured Motorist Coverage
Uninsured motorist (UM) coverage is essential to many auto insurance policies. It acts as a safety net in case you are involved in a car accident with a driver who does not have insurance.
Requirements for Uninsured Motorist Coverage in Seattle, Washington
In Washington State, uninsured motorist (UM) coverage is not mandatory; however, it is highly recommended for all drivers.
The law requires that insurance companies offer UM coverage when you purchase auto insurance, and while you may reject it in writing, doing so leaves you vulnerable to financial losses in the event of an accident with an uninsured driver.
Minimum Coverage Levels
If you choose to obtain UM coverage, the minimum limits available in Washington are typically the same as the state’s liability coverage requirements:
- $25,000 for bodily injury per person
- $50,000 for total bodily injury per accident
- $10,000 for property damage
It’s important to evaluate your personal circumstances and potential risks when selecting coverage limits, as higher limits can provide greater protection.
Notification of Coverage
Auto insurers are obligated to inform policyholders about the available options for uninsured and underinsured motorist coverage. Companies must provide a written statement explaining the nature and benefits of this coverage, allowing you to make an informed choice.
This transparency is designed to ensure that drivers are aware of their options to safeguard against potential financial hardship due to accidents with uninsured motorists.
Impact on Premiums
While adding UM coverage to your policy may increase your premiums, it can ultimately save you from staggering costs in the event of an accident with an uninsured driver. Assessing the potential financial impact of such coverage versus the risks involved can help you make a sound decision regarding your insurance needs.
Working with a Seattle auto accident attorney during this process is vital to ensure that your rights are protected and you receive the maximum compensation possible.
Reporting the Accident
When involved in a traffic accident, it’s crucial to report the incident to law enforcement. The police will create an accident report documenting the details, which can be invaluable for your claim.
Make sure to gather information from all parties involved, including the uninsured driver, witnesses, and any officers on the scene. This documentation can significantly strengthen your case when dealing with insurance companies or pursuing legal action.
The Importance of Evidence
Gathering evidence at the scene can bolster your claim against an uninsured driver. This evidence can include photographs of the accident scene, damage to the vehicles, and any visible injuries.
Be sure to collect contact information from witnesses who can validate your account of the accident. A trusted car accident injury lawyer in Seattle can assist you in collecting this evidence effectively and efficiently.
Pursuing a Claim Against Your Insurance
If the uninsured driver is at fault for the accident, your next step may involve filing a claim with your own insurance company. In Washington, drivers are required to carry liability insurance, and those who purchase UM coverage often find that their insurance can step in to cover costs.
Legal Assistance
Navigating insurance claims can be daunting, particularly when dealing with an uninsured motorist. This is where the help of a Seattle vehicle collision attorney comes into play.
They can help you interpret your policy and maximize your compensation. Additionally, an experienced Seattle traffic accident lawyer will understand the nuances of Washington law and could negotiate with insurers on your behalf.
Other Legal Options
In some situations, pursuing a personal injury lawsuit against the uninsured driver may be possible. However, this path may not always yield results if the uninsured driver lacks the financial resources to pay a judgment. A Seattle car crash claims attorney can evaluate your case and advise you on the viability of this option.
Statute of Limitations
In Washington State, the statute of limitations for filing a personal injury claim is usually three years from the accident date. It is crucial to keep this deadline in mind as you navigate your options, as failing to file a claim within this time frame can result in losing your right to pursue compensation altogether.
Understanding Your Options After an Accident with an Uninsured Driver
While being involved in an accident with an uninsured driver can feel overwhelming, knowing your options can provide clarity and direction. Working with a knowledgeable Seattle car accident attorney will empower you to pursue your claims effectively, whether through your insurance or by holding the other driver accountable.
Remember to report the accident, collect evidence, and consult with legal professionals to ensure you understand your rights and receive the justice you deserve. Don’t hesitate to reach out to a Seattle auto accident attorney today to explore your options and take the first step toward recovery.
