When the driver who hurt you has no insurance or far too little, your own uninsured/underinsured motorist (UM/UIM) coverage may be the key to recovery. Insurers do not always treat their own policyholders fairly in these claims. Injury Claim Team connects Washington crash victims with attorneys who know how to pursue full UM/UIM benefits.
How UM/UIM Coverage Works
Washington insurers must offer UM/UIM coverage, which pays for your injuries when the at-fault driver is uninsured (UM) or carries too little insurance to cover your losses (UIM). This coverage can be critical given the number of underinsured drivers on the road.
Fighting Your Own Insurer
Even though you are making a claim under your own policy, the insurer may dispute the value of your injuries or your right to coverage. An attorney levels the playing field and holds the insurer to its obligations, including the duty of good faith under Washington law.
Stacking and Coverage Issues
Depending on your policies, you may be able to access multiple sources of UM/UIM coverage. An attorney can review your coverage and identify every available avenue of recovery.
Deadlines for UM/UIM Claims
UM/UIM claims have contractual and statutory deadlines that can differ from ordinary injury claims. Washington's general three-year statute of limitations under RCW 4.16.080 often applies, but acting promptly protects your rights under the policy.
No fee unless you win. Our network attorneys handle Washington uninsured motorist cases on contingency. Your case review is always free — call 973-566-5599 or request a review online and a specialist will reach out within the hour.
Uninsured Motorist FAQs in Washington
Nothing upfront. Our network attorneys work on contingency — no fee unless they win compensation for you. Your case review is always free and confidential.
Most Washington personal injury claims must be filed within three years of the injury under RCW 4.16.080, though some claim types and government claims have shorter or different deadlines. Acting quickly protects your rights.
Washington follows pure comparative negligence (RCW 4.22.005), so you can recover even if you were partly at fault. Your compensation is reduced by your percentage of fault, not eliminated.
Call 973-566-5599 or request a free case review online. A specialist will review your case at no cost and connect you with an experienced Washington attorney — and reach out within the hour.