All drivers in this state are required to have liability car insurance coverage at set minimum coverage limits. However, about 16 percent of drivers in Washington are driving uninsured. This is the tenth highest percentage of uninsured motorists in the country. That means that it is just as likely that the person who hits you in an auto accident doesn’t have liability coverage.
If they don’t have insurance, who is going to pay for your medical bills, lost wages, and property damage? There are some options to get these covered by other personal insurance policies. Alternatively, or in addition, you can sue the uninsured driver. Suing doesn’t often reap much reward due to the fact that most people driving without insurance do not have sufficient assets to pay the damages awarded.
In addition to suing the uninsured motorist, here are a few other ways to get your expenses covered.
Personal Injury Protection (PIP)
Some insurance policies, especially bundled policies, have personal injury protection. This insurance coverage pays out for your claim no matter who was at fault. They will pay your medical bills and lost wages during your time of recovery.
Uninsured Motorist Coverage
Most drivers have uninsured motorist coverage that kicks in when an uninsured driver hits you in a car accident. This coverage will pay for your medical bills and property damage, although it is not likely to cover lost wages. The coverage limits for uninsured motorist coverage are usually pretty low; so if you were seriously injured, the coverage may not encompass all of your expenses and losses.
Health Insurance and Collision Coverage
If you don’t have either of the types of coverage mentioned above, you can use your health insurance to pay for your medical expenses. However, if you take this route, you may have copays and a high deductible to meet, causing your out of pocket expenses to be higher. You can also get your car fixed with your comprehensive collision coverage, which covers property damage regardless of who is at fault.
If you have been hit by an uninsured motorist, do not despair. We can help you find the best avenue to get compensation for your injuries. Contact us today for more information or to schedule your free consultation.