TACOMA WA UNINSURED & UNDERINSURED MOTORIST ACCIDENT LAWYER
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Tacoma WA Uninsured & Underinsured Motorist Accident Attorney
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Injured by an Uninsured or Underinsured Driver?
Getting into a car accident is already tough, but discovering that the at-fault driver has little or no insurance can make everything feel even worse.
Luckily, Washington drivers often have options through their own insurance policies. If you were hit by an uninsured or underinsured motorist, Morgan Hill PC can assist you in filing a claim and seeking the compensation you deserve.
Understanding UM and UIM Coverage in Washington
In Washington State, auto insurance policies are required to include Uninsured/Underinsured Motorist (UM/UIM) coverage unless you have rejected it in writing.
- Uninsured Motorist (UM) coverage covers you when the other driver has no insurance.
- Underinsured Motorist (UIM) applies when the at-fault driver’s liability limits are insufficient to cover your damages.
This coverage can also apply to hit-and-run crashes or collisions with phantom drivers who leave the scene.
When Does Uninsured or Underinsured Coverage Apply?
Your UM/UIM coverage may apply if:
- The driver at fault has no insurance.
- Their policy limits are too low to cover your medical bills, lost income, or pain and suffering.
- You were hurt in a hit-and-run, and the driver was never located.
- You were struck as a pedestrian or cyclist by an uninsured driver.
- You were a passenger in a vehicle hit by an underinsured driver.
Visit our Hit-and-Run Accident Lawyer and DUI Victim Claim Lawyer pages to learn more about related scenarios.
What Can You Recover in a UM/UIM Claim?
UM and UIM claims can provide compensation for:
- Emergency medical treatment and future care
- Lost wages and reduced earning capacity
- Pain and suffering
- Property damage
- Permanent disability or disfigurement
- Wrongful death-related losses if a loved one was killed
How Insurance Companies Try to Avoid Paying
Even if UM/UIM claims are filed against your own insurance company, don’t assume they’re on your side. These are adversarial claims, and insurers often:
- Delay investigations
- Downplay injury severity
- Argue your coverage doesn’t apply
- Offer quick, lowball settlements
- Use policy loopholes to deny claims
Why You Need an Attorney for a UM/UIM Claim
At Morgan Hill PC, we have decades of experience helping injured individuals in Tacoma navigate complex insurance claims, including UM and UIM coverage.
We will:
- Review your policy and claim options for free
- File your claim with supporting medical and financial evidence
- Challenge denials or bad-faith tactics
- Negotiate full settlements
- Take your case to arbitration or trial if needed
Schedule a Free Consultation
If you’ve been injured by an uninsured or underinsured driver, your time to act is limited. Contact us today to find out how your policy might still provide coverage.
We offer free consultations, and you don’t pay unless we win compensation for you.
FAQ: Uninsured and Underinsured Driver Claims
Q: What if I don’t know if I have UM or UIM coverage?
A: We’ll evaluate your policy at no charge and assist you in understanding the coverage options available to you.
Q: Do I have to sue my own insurance company?
A: Not necessarily, but you’re filing a claim against them, and you might need to take legal action if they refuse to pay fairly.
Q: What if I was a pedestrian or cyclist?
A: Your UM/UIM coverage may still apply, even if you weren’t in your vehicle at the time of the accident.
Q: How long do I have to file a claim?
A: You typically have three years in Washington, but some policies require notice within a shorter time. Don’t delay.
Practice Areas
FAMILY LAW
PERSONAL INJURY
Our Service Area Locations
Tacoma
Pierce County
Reach Out!
Use the form below to contact us about your legal inquiry. Please provide as much detail as possible. We suggest you first explain the issue you’re experiencing before telling us what you want to accomplish. You can also contact us by email or phone (253) 579-0900) to schedule an appointment.
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