What happens when you’re in a car crash but the driver who caused the collision doesn’t have insurance? Or what if someone hits you and doesn’t have enough insurance to cover your medical bills?
What is Uninsured Motorist and Underinsured Motorist coverage?
Uninsured Motorist (UM) and Underinsured Motorist (UIM) insurance are types of coverage in your own auto policy that protect you in these situations. In Washington UM/UIM coverage must be offered to you by your insurance company, and can only be declined by you in writing.
Your insurance company may deny covergage in the event of an UM or UIM claim, or attempt to reduce the amount of damges.
If it doesn’t feel like it is your insurance company any more, that is becuase that relationship has changed. The legal system is adversarial by design and complex insurance policies like underinsured motorist are specified by law. You may need a consultation to be assured that “your insurance company” is following the letter of the law and covering you for what you paid for.
Many drivers carry minimum coverage or no insurance at all
Often, people end up fighting their own insurance for the coverage they’ve been paying premiums for all along. It can be incredibly frustrating to find your insurance company doesn’t want to step up when you need them most – and when you paid for that protection.
We help you get the coverage and care you’re entitled to
Several of our attorneys began their careers working for insurance companies, which gives us unique expertise in navigating complex UM / UIM claims and pushing insurers to give you the coverage you’ve paid for.
Schedule a free consultation with an attorney at Adler Giersch now and get the help that you need today.