A person responsible for a car accident is also responsible for the injuries and damages the accident causes. That’s the general principle, but recovering just and fair compensation can be complicated.
As part of our thorough investigation into every accident, we gather information about the cause of the accident and nature of the injuries, as well as the availability of insurance coverage for all parties involved. We work with our clients to determine the best way for them to pay for their treatment, whether through Personal Injury Protection insurance on their own car, health insurance (and we help our clients find and obtain health insurance if they don’t have it), workers compensation coverage, treating on a lien with various medical providers, or finding coverage with some other first party payor. We also work with our clients to help them understand their treatment options, and what sort of questions to ask their medical care providers to clarify and better understand their treatment and their options for the best medical outcome possible. It is all about helping our clients down the long and winding road to their recovery. We are not focused on injury. We are focused on recovery.
In Washington, drivers are required to have a minimum amount of liability insurance while they operate a motor vehicle. Unfortunately, two problems often arise in car accident cases: (1) the negligent driver is “uninsured,” meaning they do not have any auto insurance coverage; or (2) the negligent driver is “underinsured,” meaning he or she only has minimal auto policy coverage that is not enough to fully compensate an insured person’s damages. If there is not adequate insurance coverage available from the negligent driver, our firm will analyze whether to pursue an uninsured motorist (UM) or underinsured motorist (UIM) claim, which may allow for additional compensation from the insured person’s own insurance company.
Finally, sometimes insurance companies do not provide the coverage their customers purchased with their premium payments. This is particularly frustrating in the case of accident victims, when an injured person is in crisis and it is critical that a company step up and actually provide the coverage and benefits they promised to pay in return for many years of premium payments. In these cases we specialize in bringing what are called “bad faith” or “Insurance Fair Conduct Act” cases against our clients’ own insurance companies to force the insurance company to honor their side of the insurance bargain. And when they don’t, and their customers are hurt by their failure to provide benefits, these cases can force foot dragging insurance companies to not only provide the benefits they were supposed to pay previously, but to also pay for any damage that resulted from their failure to provide benefits when their customer was depending on them.