Seattle Uninsured Motorist Accident Attorneys

What to do After a Collision with an Uninsured or Underinsured Motorist

Experienced motorists know the routine that's supposed to take place after an auto accident: assess injuries and receive medical attention if necessary, file a police report, exchange insurance information with other involved motorist(s), etc. Yet, we take for granted that everyone has a good insurance policy, but this is far from the truth. It's unfortunate, but the fact is that many people on the road drive with inadequate insurance or none at all. This can cause major issues for accident victims who need coverage for damages.

If you or a loved has been involved in an accident with an uninsured/underinsured motorist (UM/UIM), you may feel as if you have no financial options when it comes to covering medical expenses and other damages. However, with the assistance of the Washington personal injury attorneys at Hardwick & Pendergast, P.S., you may be exposed to new pathways to coverage you have not even considered and get what you need for recovery.

insurance adjuster assessing a damaged carTo learn more about your rights and legal options after an accident with an uninsured driver, call a Washington car accident lawyer at (888) 228-3860 for a free consultation.

What is UM/UIM Coverage in Washington?

Under Washington state law, insurance companies are required to make uninsured/underinsured motorist coverage available; however, drivers are not required to carry it. UM/UIM coverage provides motorists protection in scenarios where the liable party does not carry an adequate enough insurance policy to pay off all the losses or possesses none at all.

When Does UM Coverage Apply in Washington?

If you have UM coverage, your insurer will provide payment, the amount of which is determined by your specific policy, for injuries caused to:

  • You while being the operator or passenger of your own vehicle, while being the operator or passenger of a vehicle that is not your own, or while walking the streets as a pedestrian;
  • A relative who is injured while being the operator or passenger of a vehicle included in your policy;
  • Any other person who was permitted to drive or ride in your insured vehicle; and,
  • Any passenger in a vehicle you are operating but are not the owner of.

What are the Limits of UM Coverage in Washington?

The amount of compensation you receive from your UM coverage may be affected by the following factors:

  • Some UM coverage may provide you coverage for hit-and-run accidents if you call the police within 24 hours. Others may only provide you with coverage if you are able to identify the liable party.
  • If your injury took place while at work, your UM payments will be reduced by workers' comp and other disability payments.
  • If your insurer provides you with payments under medical payments coverage, your UM payments will be reduced by the amount of medical payments you receive.

Consult with your attorney before you speak with the insurance adjuster about your UM claim. You will need professional legal advice in order to ensure you get the maximum coverage you deserve.

How Does UIM Coverage Work in Washington?

The clearest way to illustrate how UIM coverage works is through an example. Let's say your injury claim is worth a total of $50,000 and the liable motorist's insurance only had the mandatory minimum limits of $25,000. You may receive the leftover $25,000 from your own insurer through UIM coverage, if that amount does not exceed your policy's limits. Also, your UIM coverage payment amount will be reduced by any medical payments coverage you receive.

How Can I Learn More about Washington UM/UIM Coverage?

At Hardwick & Pendergast, P.S., a Seattle car accident attorney can help you find the best route for finding fair and full compensation for your losses. Recovery may not be easy, but it is possible with our help. To learn more about your rights, call us today at (888) 228-3860 and receive a free consultation from our experienced legal team.

Additional Information

Our Case Results

Degloving Injury$2,400,000
Degloving Injury
from defective power winch.
Wrongful Death$1,925,000
Wrongful Death
from head-on van accident.
Rollover Accident$1,925,000
Rollover Accident
resulting in wrongful death.
Wrongful Death$1,625,000
Wrongful Death
from highway design defect.
Car Accident$595,000
Car Accident
injuries to 47-year-old woman.
Wrongful Death$460,695
Wrongful Death
oncoming traffic accident.
Rear-End Collision$450,000
Rear-End Collision
resulting in lower back injury.
Car Accident$390,000
Car Accident
resulting in fractured leg.
Car Sideswipe$390,000
Car Sideswipe
resulting in injured back.
Head-On Collision$372,000
Head-On Collision
resulting in fractured pelvis.
Car Accident$360,000
Car Accident
resulting in lower back injury.
Car Accident$275,000
Car Accident
resulting in jaw fracture.
Overturned Truck$230,000
Overturned Truck
resulting in broken ribs.
Head-On Collision$230,000
Head-On Collision
resulting in shoulder injury.
Motorcycle Accident$225,000
Motorcycle Accident
resulting in leg fracture.

Written by Joseph Pendergast, this book is designed to help people who have suffered a personal injury understand their rights and the steps to take to be sure they get the compensation they deserve.

Connect With Us

Share This Page

Our Office

Hardwick & Pendergast, P.S.
555 South Renton Village Pl. Suite 640
Renton, WA 98057
(888) 228-3860
(425) 228-3860 / (253) 445-3860

From Our Blog

Joseph Pendergast Given 2018 Clients’ Choice Award

By Hardwick & Pendergast, P.S.

Seattle Underinsured Motorist Lawyer Disclaimer: The legal information presented at this site should not be construed to be formal legal advice, nor the formation of a lawyer or attorney client relationship. Any results set forth herein are based upon the facts of that particular case and do not represent a promise or guarantee. Please contact a lawyer for a consultation on your particular legal matter. This web site is not intended to solicit clients for matters outside of the State of Washington.

© 2018 Hardwick & Pendergast, P.S. - All rights reserved. Serving the communities throughout Washington.

Website Design, SEO and Legal Internet Marketing by: SLS ConsultingSLS Consulting | Privacy | Disclaimer |Sitemap