Uninsured Motorist Accident Specialists in Tacoma Washington State

There is nothing more frustrating after a car accident than discovering the at-fault driver has no insurance—or not enough insurance to cover your costs. In this moment, when you are facing recovery from injuries caused by an irresponsible driver, many people think they have no options and must give up on compensation.

But it is too soon to give up. There is a high probability that the auto insurance policy you pay for every month contains a powerful safety net designed for this exact worst-case scenario: Uninsured/Underinsured Motorist (UM/UIM) coverage.

At Car Crash, we are specialists at finding the rights hidden within your own insurance policy and forcing your insurance company to pay the benefits you rightfully deserve.

Understanding Your Hidden Rights: UM/UIM Coverage

Uninsured Motorist (UM) Coverage: This is used when the at-fault driver has NO auto insurance at all, or when you are the victim of a hit-and-run and the driver cannot be found. In this case, your own insurance company steps into the shoes of the at-fault driver and compensates you for your medical bills, lost wages, and pain and suffering.
Underinsured Motorist (UIM) Coverage: This is used when the at-fault driver has insurance, but their policy limits are too low to cover the full extent of your damages (e.g., massive hospital bills from a serious injury). UIM coverage pays for the difference between the at-fault driver’s policy limit and your actual damages.

It’s okay if the other driver has no insurance. There is hidden compensation in your own policy.

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The Shocking Reality in Washington: Why This Coverage is Critical

Washington State has one of the highest rates of uninsured drivers in the entire country. Statistics show that nearly 1 in 5 drivers in Washington is on the road without insurance. This means there is a very high chance that if you get into an accident, the at-fault driver will not have the ability to pay for your damages. This is why UM/UIM coverage is not a luxury; it’s a necessity.

The Toughest Fight: Why You Have to Fight Your Own Insurance Company

When you make a UM/UIM claim, the insurance company you’ve paid premiums to for years suddenly becomes your adversary. They are no longer your friend; they are a corporation protecting their bottom line. Their goal is to pay you as little as possible. They may downplay your injuries or intentionally delay the claims process.

This is when you need a powerful legal representative on your side to force your own insurance company to honor its contractual duty to you.

Getting You the Value You Paid For

Our team of experts at Car Crash will fight your own insurance company to ensure your premiums were not paid in vain. Get a clear answer for your case by contacting one of our offices in Tacoma, Lynnwood, Everett, or Bellevue today. You pay nothing unless we win your case.