We Represent Victims Of Uninsured Motorists
A law firm you can trust to handle your claim
Under Washington state law, all motorists must have liability insurance. That’s because car accidents can cause significant injuries. That’s why every driver needs to be insured against the possibility of being liable for those injuries. But some drivers fail to meet that responsibility and break the law. As a result, the consequences can be devastating for injury victims.
If you’ve been injured by an uninsured driver, you may think you’re out of options. The truth is, you may not be. That’s why we want to hear from you as soon as possible. The car accident lawyers at NLE Law have extensive experience helping victims recover, even when it seems as though the coverage isn’t there.
What is an uninsured or underinsured driver?
An uninsured motorist is a driver who does not carry liability insurance coverage, which is a crime in Washington. Even so, our state has a fairly high rate of uninsured drivers.
An underinsured motorist is a driver who has liability insurance, but not enough to pay for the full cost of an accident. Washington law only requires 25/50/10 coverage - $25,000 per single injured person for injuries, $50,000 total for injuries per accident, and $10,000 for property damage. Many car accidents cause damages in excess of those figures.
If a motorist doesn’t have insurance, or doesn’t have enough, you can pursue compensation from the at-fault driver’s assets. The problem is most uninsured and underinsured motorists don’t have significant assets. That means you need to pursue securing other means of compensation.
Getting compensation after uninsured driver accidents
To protect yourself from financial loss after an accident involving an uninsured or underinsured motorist, we recommend opting for uninsured and underinsured motorist (UM and UIM) protection on your insurance policy. This is an optional type of coverage in Washington, but your insurer is required to offer it. Uninsured motorist protection is fairly inexpensive, and it provides essential protection.
If you don’t have UM or UIM coverage, we’ll review your insurance policy documents to make sure your insurance company actually offered you coverage as required by law. We’ll also explore other avenues of compensation. For instance, the driver may be covered under an employer’s or family member’s plan. Or a third party, such as a road maintenance company or vehicle manufacturer, may be held liable for your injuries.
While it can be difficult to get full compensation when the at-fault driver doesn’t have insurance, our attorneys have extensive experience coordinating coverage and using alternate settlement methods to get our clients the compensation they need. We’ll explore every possible avenue of compensation to help you make a full recovery.