Although the value of a case depends wholly on its unique characteristics, damages in some auto accident cases can reach hundreds of thousands of dollars or more. Obviously, few individual drivers have the personal assets to pay damages of this scale so the availability of insurance coverage is nearly always a factor in auto accident cases. Learn how to manage your auto accident insurance claim with a bellevue personal injury attorney.
Washington State law requires car owners to maintain minimum liability coverage of at least $25,000 per person. Drivers are free to maintain higher liability limits on their vehicles if they desire. This means if an insured driver negligently causes an accident, his or her insurance company will pay each injured party up to the policy limits. If your injuries exceed the liability limits of the at-fault driver’s liability insurance — or the at-fault driver is uninsured — it can make it difficult for you to recover fair compensation even if your injuries are well established and the other driver’s negligence is clear. A car accident attorney seattle can help you deal with accidents involving uninsured drivers.
One way to protect yourself from this situation is to purchase uninsured/underinsured motorist coverage (UM/UIM). This means if you are injured in an accident where another driver was at fault and does not have liability insurance or your damages exceed the limits of his or her policy, you can recover damages from your own insurance company. While carrying UM/UIM on your policy does increase your premiums, it also gives you some measure of peace of mind in a world where negligent drivers all too often maintain minimal or no liability insurance.