In an ideal world, all drivers would have adequate insurance coverage to ensure that victims of motor vehicle accidents are fairly compensated for their injuries and damages. Unfortunately, we do not live in that perfect world, and many motorists continue to drive without proper insurance.

If you find yourself injured in a car accident involving an uninsured motorist, it is crucial to seek legal assistance from an experienced Seattle uninsured accident lawyer. At Craig Swapp & Associates, our attorneys are committed to helping victims navigate the complexities of uninsured motorist claims and pursuing the compensation they deserve.

Uninsured and Underinsured Coverage in Seattle

Uninsured and underinsured motorist coverage is an important aspect of auto insurance that protects you financially if you’re involved in an accident with a driver who does not have sufficient insurance to cover the damages they’ve caused. Given the number of uninsured or underinsured drivers on the roads in Washington State, carrying this coverage can provide substantial peace of mind and significant financial protection.

Uninsured Motorist Coverage

Uninsured motorist (UM) coverage comes into play when you are injured in an accident caused by a driver who does not have any auto insurance or if you are a victim of a hit-and-run incident. In these situations, your UM coverage steps in to cover your medical bills, lost wages, and other damages up to your policy limits. Although it’s optional, insurance companies are required to offer it to you, and if you decide to decline this coverage, you must do so in writing.

Underinsured Motorist Coverage

Underinsured motorist (UIM) coverage is slightly different. This coverage kicks in when the at-fault driver does have auto insurance, but their policy limits are not enough to cover the full extent of the damages they’ve caused. In such cases, your UIM coverage will make up the difference, again, up to your policy limits.

Even if you have uninsured and underinsured motorist coverage, navigating the claims process can be complex. Your insurance company may dispute the severity of your injuries, or they may attempt to deny your claim altogether.

Understanding Uninsured Motorist Claims

An uninsured motorist claim arises when the at-fault driver in an accident does not have the required insurance coverage to compensate the injured party for their damages. In such cases, the injured party can still pursue compensation from the at-fault driver, but the process may be more complicated than a typical motor vehicle accident claim. This is where a Seattle uninsured accident claim lawyer becomes invaluable.

In Washington State, uninsured motorist (UM) and underinsured motorist (UIM) coverage is optional. However, it is highly recommended that motorists carry this type of coverage, as it provides a safety net for those injured in accidents caused by uninsured or underinsured drivers. If you have UM/UIM coverage, a Seattle uninsured crash lawyer can help you make a claim against your own insurance company to recover compensation for your injuries.

Working With a Seattle Uninsured Accident Attorney

When dealing with an uninsured motorist claim, it is essential to have a skilled Seattle uninsured accident attorney on your side. At Craig Swapp & Associates, our team of legal professionals understands the complexities of uninsured motorist claims and can guide you through each step of the process.

We will begin by thoroughly investigating the accident, gathering evidence, and identifying all potential sources of compensation. We will then work diligently to build a strong case on your behalf, negotiating with insurance companies and, if necessary, taking your case to trial to pursue the maximum compensation available to you.

If you do not have UM/UIM coverage, a Seattle uninsured accident lawyer can still help you seek compensation from the at-fault driver. This may involve filing a lawsuit against the driver and pursuing them to cover your damages. While this can be a more challenging route, our team at Craig Swapp & Associates has the experience and tenacity to fight for your rights and seek the justice you deserve.

Don’t let the stress of an uninsured motorist claim add to the trauma of your accident. The experienced team at Craig Swapp & Associates is ready to guide you through the complexities of your case, ensuring you receive the compensation you deserve. Contact us today for a free consultation and let us take the burden off your shoulders while you focus on recovery.

Written By: Ryan Swapp     Legal Review By: Craig Swapp