Underinsured & uninsured (UM/UIM) motorist attorney – helping injured people obtain the just compensation they deserve
Washington State requires that all automobile drivers carry automobile liability insurance. However, people often choose to purchase the cheapest and smallest amount of coverage possible, which often leaves insufficient coverage for payment of personal injury damages caused in a car accident. Underinsured Motorist coverage steps into this gap and provides an extra layer of coverage. A person is underinsured when their policy limits are not high enough to cover all of the damages that an accident victim sustains due to their negligence. Having underinsured motorist coverage allows an accident victim to collect the at-fault driver’s insurance policy limits and then bring a claim against their own insurance company for underinsured motorist benefits.
Similarly, although Washington State requires that all automobile drivers carry automobile liability insurance, many do not. They are uninsured. An accident victim’s own insurance company then becomes legally required to pay for the damages.
However, whether you have been in an accident with an underinsured or uninsured driver, it is fair to expect that your insurance company will look to protect its interests and defend against your claim. These claims can be complicated and challenging, and a person injured by an underinsured or uninsured motorist should work with a motor vehicle accident attorney that is experienced and knowledgeable in the ever-changing laws that affect underinsured and uninsured motor vehicle accident cases. If you or a family member have been injured by the fault of another person who may be underinsured or is uninsured, contact Cornelius Law for a free case consultation.
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