Uninsured and Underinsured Motorists are a serious problem in Spokane and throughout Washington State. Recent data from the Insurance Information Institute found that Washington State had one of the highest rates of uninsured drivers with more than 1 in 5 drivers being uninsured. Drivers are required to purchase automobile liability insurance by law, with only a handful of exceptions and when an uninsured driver causes a collision leading to serious bodily injury to others it can be difficult for those who’ve been injured to get fair compensation.
In these situations, the injured person can look to their own automobile insurance for compensation. The you have Personal Injury Protection (PIP) or Med Pay as part of your own automobile insurance and/or health insurance. These coverages help pay for accident related medical bills. Additionally, having Uninsured/Underinsured Motorist Coverage (UIM) as part of your own auto insurance can provide compensation for injuries from a collision caused by a driver with no liability insurance or insufficient coverage.
To protect yourself, your family and your passengers from those who choose to drive without liability insurance or not enough coverage, we recommend purchasing both PIP and UIM coverage as a part of your own automobile insurance policy. These coverages protect you if you’re injured in a collision caused by a driver with no liability insurance or not enough insurance coverage. It’s the best way to protect you and your household against uninsured drivers.
If you or a loved one has been seriously injured by an uninsured or underinsured driver, you should consult with the experienced personal injury attorneys at Cooney Law Offices today. We can investigate other sources of insurance coverage, like the vehicle owner’s coverage, and explain your options for seeking fair compensation for your injuries. Cooney Law Offices. We can help!