Spokane Uninsured & Underinsured Coverage Claims
What Are My Legal Options?
You’ve been involved in a crash with a driver who doesn’t have
insurance or doesn’t have enough insurance to pay for the damages
you sustained. When the uninsured or underinsured driver cannot cover
your medical expenses, what recourse do you have?
Your recourse may be to bring a
claim under your own car insurance policy. If you choose to add uninsured or
underinsured motorist coverage, you paid for protection against exactly
this situation. However, if you do not have this type of coverage, you
may need the help of a Spokane car accident attorney to pursue the maximum
amount of compensation for your injuries.
If you fell victim to a driver who was not only careless with their actions
but also neglected to get the proper insurance, call former elected Spokane
Prosecutor, James R. Sweetser.
Contact Sweetser Law Office today.
Recovering Uninsured Motorist Compensation for Accident Victims
In theory, the driver who caused the crash is financially responsible for
all of your injuries and losses. In reality, that driver may not have
enough insurance coverage ... or any coverage at all. In addition, the
driver may not have personal assets to pay for your damages, and would
likely file for bankruptcy in the event of settlement or verdict. Unfortunately,
and not surprisingly, most motorists who neglect to carry automobile liability
insurance have no recoverable personal assets to reimburse the injured
victim for his or her losses.
This is where
Uninsured/Underinsured motorist coverage you can buy from your insurance company comes into play. Your insurance
company will pay your damages and will have the option of pursuing the
at-fault driver for recoupment. However, many passengers do not always
realize when uninsured and underinsured motorist claims may arise.
Remember UIM can apply under many different scenarios. Uninsured motorist coverage protects passengers and drivers in a number
of unexpected situations, including:
Car accidents with a driver who no insurance or lacks sufficient insurance;
- Hit-and-run collisions when the at-fault driver is not found;
Pedestrians struck by a driver who has no insurance or lacks sufficient insurance;
Bicycle crashes caused by a driver who has no insurance or lacks sufficient insurance;
- Passengers hit by a driver who has no insurance or lacks sufficient insurance.
Even if the other party has no insurance, you may still be entitled to
recover full compensation for the harms caused by the at-fault driver.
Do I Need An Attorney?
It may come as a surprise (or perhaps not, given the normal practices of
insurance companies) when your own insurance begins to fight back and
tries to avoid paying out the UIM policy that you have purchased! Insurance
companies are notorious for resisting or lowballing these claims. The
insurance company will begin reaching out to you soon after the accident
because it knows you are depending upon it for financial support at this
time. Even though it is your insurance company, it is not specifically
concerned with your best interests. If you have an underinsured or uninsured
motorist claim, your own insurance company steps into the shoes of the
at-fault driver and has a financial incentive to pay you the smallest
Insurance companies will often refuse to pay UM/UIM proceeds. They will
give a variety of reasons for not paying, including:
- Alleging you failed to follow a procedural requirement in the policy language
- Alleging that your injury was not sustained as a result of the motor vehicle collision
- Alleging that your medical treatment was not reasonable or necessary, or
- Alleging you are “double-dipping” because you were minimally
compensated by the negligent driver's insurance limits
Underinsured or uninsured motorist claims are complicated mazes to navigate,
and there is no reason to do it alone. If you have ever dealt with an
insurance company, you know these cases can be vigorously contested. Because
underinsured motorist claims are more difficult than the typical auto
accident claim, you should consult with an experienced
Sweetser Law Office attorney before you talk with the at-fault driver’s insurance company,
and before you file an underinsured motorist claim with your insurance company.
Attorneys at Sweetser Law Office will aggressively pursue recovery from
those responsible for your injuries. We will not let you be bullied into
making a decision that threatens your future. If your insurance company
is unwilling to make a fair offer, we will help you decide whether to
pursue your case through voluntary arbitration or file suit and pursue
a case inside the courtroom. Because we will handle your case on a contingency
basis, you will pay no fee unless we secure a successful settlement or
win a jury award on your behalf.
Don't Wait - Call the Sweetser Law Office at (509) 219-0020
You can call or fill out a free case evaluation form so that we can hear
the details of your case. Our firm offers free case evaluations, so there
is no risk telling our legal professionals about your accident. Remember
that our firm operates on contingency fees, which means you don't
pay a single legal fee unless we win.
today to set up your free case review!