If you’ve been seriously injured in a car accident, you need an attorney that specializes in car accidents. There are a number of reasons for this, which we will continue to discuss over the coming weeks, but the first reason is insurance.

            All too often, when there is a catastrophic injury caused by a negligent driver, the innocent, injured victim may discover that the at-fault driver maintains only minimum coverage, which in Washington state is $25,000.00. This means that there is potentially only this amount to pay for your damages. Even when the insurance limit is higher, if you have suffered significant injury, this amount will be insufficient to compensate you.

            As Federal Way personal injury lawyers, we have done car accident claims for over 20 years, we know that part of the service we can provide is to find additional available coverage.  We will communicate with not only with the negligent driver’s insurance, but your own insurance carrier as well, to have them access the carrier database for assistance in our search. We seek to obtain affidavits under penalty of perjury from the negligent party regarding any additional coverage they may have. We will perform our own independent investigation to assess the age, background, assets, as well as identify family members who reside with the negligent driver, all as potential avenues of additional coverage. Our investigation will include any involvement of a business in the ownership or control of the vehicle and whether the driver was acting in the course of employment, to assess the availability of commercial coverage that could help compensate for your losses. We will also require that the insurance company attest whether there is any umbrella coverage, in place to handle claims in excess of the available limit on the auto policy.

            Once the available insurance from the negligent party has been exhausted, or paid out, there may be another avenue of recovery. Underinsured/uninsured motorist coverage is another insurance coverage that may be available to you. If you have purchased this coverage for your own policy, this is precisely the scenario in which you should use it. Because this is all we do, we are familiar with the necessary steps to access this coverage. Once a claim is opened, your own insurance company “steps into the shoes” of the negligent party, and will become more adversarial, seeking to limit your damages and diminish the value of your claim. We are accustomed to their tactics, and know how to deal with any denial of coverage issues or false assessments that you have been fully compensated. Under the right circumstances, we have discovered via a thorough investigation the existence and availability of more than one UIM policy as well.

            Because we specialize in car accident claims, we know how to find the available insurance to compensate you for your losses suffered due to a negligent driver.        

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