Insurance is supposed to help pay for your damages after an accident. The problem is, the party responsible for a car crash may not carry insurance like they are supposed to. While Washington state law requires all drivers to carry certain auto insurance policies, some people violate this statute. Others buy only minimum, and it is not sufficient to pay for the damages you actually suffered.

Uninsured/underinsured car accidents in Bellevue can leave you facing financial difficulty and even a battle with your own insurance company. An experienced motor vehicle collision attorney like Chong Ye at The Ye Law Firm could help you navigate these challenges and seek full compensation for your losses.

Uninsured or Underinsured Drivers

An uninsured driver is someone who chooses not to carry insurance at all. State law requires all motor vehicle drivers to carry liability insurance, but many people violate this requirement. When they do, the injured person is left somewhat unprotected and unable to collect significant recoveries from the uninsured driver. Many people that choose not to carry insurance coverage have few assets to pay a claim themselves, which can create a difficult situation for an injured individual.

Underinsured drivers are those with insurance, but their coverage amounts are not enough to pay for all of the damage they caused. This happens frequently in more severe wrecks. The State of Washington’s Department of Licensing requires most drivers to carry the following forms of minimum insurance coverage:

  • $25,000 for death or bodily injury to one person in a single accident
  • $50,000 for death or bodily injury of any two individuals in a single accident
  • $10,000 for destruction or injury to property in a single accident

Though, for many serious accident cases, these minimum amounts are simply not enough. The medical costs alone often surpass these minimums. Even in situations where a driver purchases insurance above the state minimums, if their coverage amounts are not enough to fully compensate the injured driver, they are considered underinsured.

How to Deal with Underinsured/Uninsured Motorist Claims in Bellevue

When a person is hurt in an uninsured/underinsured car wreck in Bellevue, they could get the help they need by working with a well-practiced lawyer. Their loyal attorney could discuss the various legal options available to them, such as:

Filing Directly Against the Driver

A negligent driver is liable for the costs they cause, even without insurance. This means the lawsuit seeks recovery directly from the driver’s own assets. However, there is often little from which to collect in these situations. It is usually not enough to fully pay a claim.

Uninsured/Underinsured Insurance Coverage

The injured driver may carry uninsured/underinsured motorist coverage on their own policy. This policy covers the discrepancy between what the negligent driver was able to pay and the damages the injured individual suffered. This is subject to the injured person’s own policy limits.

Many insurance companies will try to avoid making these payments, even when they are contractually obligated to do so. A committed attorney like Chong Ye could hold them accountable for their actions.

Personal Injury Protection (PIP) Insurance

PIP insurance is a “no fault” coverage that pays the injured person without regard to who caused the accident. If this coverage applies, it can help pay for a portion of the injured driver’s damages in Bellevue uninsured/underinsured motor vehicle collisions.

Discuss Uninsured/Underinsured Car Wrecks in Bellevue with a Seasoned Attorney

While negligent drivers should be financially responsible for any harm they cause—the reality often is—they do not have the resources to pay for their damages. Uninsured/underinsured car accidents in Bellevue may leave you wondering what you can do next.

A dedicated car crash attorney like Chong Ye knows how to handle these cases. Contact the experienced team at The Ye Law Firm today to schedule a no obligation in person or remote consultation.

If You Or A Loved One Has Been Injured In Washington State, You Deserve To Know All The Facts And Your Options.

Download our FREE book, The Washington Auto Accident Guide, Part 1, by clicking here to learn about your rights and responsibilities after you’ve been in a car accident.