Learn more about the coverage you are required to carry by law in Washington and how to pursue an insurance claim after a car accident.

What car insurance am I required to carry in Washington?

 

A:

The last thing you want to worry about after a car accident is money. Rather than agonizing about how you’ll pay the medical bills or get your car fixed, you should be focusing all of your energy into your recovery. Unfortunately, to secure your recovery, you must first secure your financial future and this means securing your insurance coverage.

Required Liability Insurance and Coverage

Washington requires that all motorists carry at least one type of insurance policy that covers the following potential circumstances:

  • $25,000 worth of collision liability insurance with an optional $25,000 worth of uninsured motorist liability coverage.
  • $25,000 worth of liability for bodily injury or death of a single person in any accident.
  • $50,000 worth of liability for bodily injury or death of multiple people in a single accident.
  • $10,000 worth of liability for property damage in any accident.

Despite these requirements, one out of every five motorists fails to have adequate collision insurance, let alone the optional, yet essential, uninsured motorist coverage. As a result, many victims of driver negligence can’t afford their recovery.

Pursuing Collision Damages

It doesn’t matter whether the other driver involved in your accident has adequate insurance or not. After contacting an attorney, the second thing you must do when seeking damages for an accident is to inform your insurance company of the incident. Once you contact your insurer, they will determine whether or not the liable party has the necessary policy to cover the expenses. If he doesn’t have the proper amount of insurance, they’ll inform you that compensation may have to be taken from your uninsured motorist coverage. Although you may not receive enough compensation from this policy to cover all of your expenses, it is a fairly reliable and fast way to begin addressing your recovery.

The most important thing to remember when dealing with insurance companies—especially when it involves a collision settlement—is not to trust them. As with any business, insurance companies dislike having to pay claims; so much so that they’re willing to do just about anything to manipulate you into accepting a ridiculously small settlement. Don’t let them!

Contact or visit our Bellevue office today to schedule a free discussion of your rights and claim options. You may be entitled to more than you think, despite what the insurance company may say or what the negligent driver may admit to being able to afford. Don’t sell yourself short. You deserve a fair settlement for your damages.