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 at (509) 444-4444.

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.

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 amount possible.

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.

Contact us today at (509) 444-4444 to set up your free case review!