Everett Uninsured/Underinsured Motorists Accident Lawyer

Car accidents are overwhelming under any circumstances, but the situation becomes even more challenging when the at-fault driver lacks sufficient insurance to cover the damages. In Everett, Washington, uninsured and underinsured motorists are a significant concern for drivers. If you or a loved one has been involved in an accident with an uninsured or underinsured motorist, call the Everett car accident attorneys at Brumley Law Firm at (833) 832-2727 to get started.

The Risks of Uninsured and Underinsured Motorists

In Washington State, all drivers are required to carry auto insurance, including liability coverage. Despite this mandate, some drivers either fail to obtain insurance or carry only the minimum coverage, which may be insufficient to cover the costs of an accident. This creates a precarious situation for law-abiding drivers who rely on others to uphold their legal responsibilities.

According to the Insurance Information Institute, approximately 16.5% of drivers in Washington are uninsured. This percentage doesn’t account for underinsured drivers who carry minimum coverage that falls short of adequately compensating accident victims. For those involved in collisions with these drivers, the financial burden can be devastating, covering medical bills, vehicle repairs, lost wages, and more.

Washington’s Insurance Requirements

Washington law requires drivers to maintain the following minimum liability coverage:

  • $25,000 for bodily injury or death of one person per accident
  • $50,000 for bodily injury or death of two or more people per accident
  • $10,000 for property damage per accident

While these minimum requirements aim to provide basic protection, they often fall short in severe accidents involving extensive medical treatment or property damage. This shortfall is why uninsured/underinsured motorist (UM/UIM) coverage is an essential addition to any insurance policy. UM/UIM coverage provides compensation for injuries and damages caused by drivers without adequate insurance.

What to Do After an Accident with an Uninsured/Underinsured Motorist

If you are involved in an accident with an uninsured or underinsured motorist in Everett, taking the right steps can significantly impact your ability to recover compensation:

  1. Ensure Safety and Seek Medical Attention: Prioritize the safety of everyone involved. Call emergency services and seek immediate medical attention, even if you don’t feel injured initially.
  2. Document the Scene: Collect as much evidence as possible, including photos of the accident scene, vehicle damage, and any visible injuries. Obtain contact information from witnesses.
  3. Report the Accident: Notify law enforcement and file an accident report. This documentation can be invaluable in building your case.
  4. Notify Your Insurance Company: Inform your insurer about the accident promptly, particularly if you plan to use your UM/UIM coverage.
  5. Consult an Experienced Attorney: Dealing with insurance companies and navigating the claims process can be complicated. An Everett uninsured/underinsured motorist accident attorney can help you understand your rights, negotiate on your behalf, and ensure you receive fair compensation.

contact our everett uninsured_underinsured motorist accident attorney

How an Everett Uninsured/Underinsured Motorist AccidentLawyer Can Help

Navigating the aftermath of an accident involving an uninsured or underinsured motorist can be daunting. Insurance companies may attempt to minimize payouts or deny claims altogether. This is where an experienced Everett uninsured/underinsured motorist accident lawyer becomes invaluable.

A skilled Everett uninsured/underinsured motorist accident lawyer can assist you in:

  • Evaluating Your Case: Determining the full extent of your damages, including medical expenses, lost income, pain and suffering, and property damage.
  • Investigating the Accident: Gathering evidence to establish liability and prove the at-fault driver’s lack of adequate insurance.
  • Negotiating with Insurance Companies: Ensuring your insurance provider fulfills its obligations under your UM/UIM policy.
  • Pursuing Legal Action: If necessary, filing a lawsuit to recover the compensation you deserve.

Common Challenges in UM/UIM Claims

Even when you have UM/UIM coverage, recovering compensation isn’t always straightforward. Insurance companies often scrutinize these claims and may dispute the extent of your injuries, the necessity of medical treatments, or the overall value of your claim. An Everett uninsured/underinsured motorist accident attorney can counter these tactics by providing strong evidence and expert testimony, ensuring you are treated fairly.

Contact Our Everett Uninsured/Underinsured Motorist Accident Lawyers Today

If you’ve been involved in an accident with an uninsured or underinsured motorist in Everett, don’t face the challenges alone. At Brumley Law Firm, our Everett injury attorneys are here to guide you through every step of the process and fight for the compensation you deserve. Call us now at (833) 832-2727 or complete our online form to schedule your free consultation today. Let one of our Everett uninsured/underinsured motorist accident lawyers help you move forward with confidence.