Blog

Underinsured Motorist Coverage

Another Avenue for Obtaining Maximum Recovery in Personal Injury Claims.

The attorneys at Rodgers Kee & Card, P.S. are dedicated to zealously seeking maximum recovery for individuals injured in motor vehicle accidents. One of the primary ways we assist our clients is pursuing claims with insurance carriers. If the at-fault party carrier insurance, the primary source of recovery is through that driver’s insurance company.

Despite Being Mandated, Many Drivers Remain Underinsured Motorists

Unfortunately, even though automobile insurance is mandated under Washington law, many individuals are opting to carry little, or no, coverage, in an attempt to reduce premiums. In fact, while the laws of the State of Washington are clear in requiring minimum mandatory insurance coverage, a growing number of drivers are carrying no insurance at all. According to a recent study, approximately 16% of Washington drivers are uninsured. If you are involved in an accident while driving on Washington roadways, there is a good chance that you will be struck by a driver carrying absolutely no automobile insurance coverage. Additionally, many of drivers carry only the minimum requirements of Personal Injury Protection (PIP) and Property Damage Liability coverage, which would provide nothing to compensate you for your injuries.

Most drivers carry Uninsured Motorist coverage, which may be able to provide compensation to you for the damages resulting from the negligence of a third party. The premiums for Underinsured Motorist coverage are often nominal in comparison to the premiums for Bodily Injury Liability coverage.

The Process of Recovery in an Underinsured Motorist Personal Injury Claim

If you are injured in an automobile accident through the negligence of another driver, you generally have the ability to recover your damages(medical expenses, lost wages, pain and suffering, etc.). The primary claim would be against the insurance carrier of the other driver. However, if the policy limits for the other driver are insufficient to compensate you for your actual damages, you may be able to file a claim with your own insurance carrier pursuant to your Underinsured Motorist coverage.

The attorneys at Rodgers Kee & Card have will aggressively pursue recovery on your behalf for all the damages resulting from your personal injury claim, exploring all possible avenues, including the Underinsured Motorist provisions of the insurance for which you pay premiums.

Leave a Comment

Your email address will not be published. Required fields are marked *