If you are involved in an accident where more than one person was seriously injured, you may find yourself facing resistance from more people than just the at-fault driver and insurance carrier. Other injured drivers and passengers, whether in the same car as you or in a different car, may also become essentially adverse parties. Even after the at-fault driver’s insurance company agrees to settle, getting your fair share of the proceeds may be a whole new battle.
The extent of available insurance coverage can be an issue of primary importance in many Seattle car accident cases:
Every car insurance policy has two numbers that indicate the extent of the liability coverage it provides: one is the coverage available for a single injured person, and the other is the maximum coverage available per accident.
For example, the minimum insurance requirements in Washington State are $25,000 per person and $50,000 per accident. Even policies that provide above the minimum often use similar ratios, with per-accident limits only being two or three times the per-person limit. This means that when an accident involves more than two or three injured victims, they may find themselves fighting over a limited pot of available coverage.
In cases such as these, proving the severity of your injuries is more important than ever. Settling these cases requires your car accident attorney to not only negotiate with the at-fault driver and the driver’s insurance company, but also with all the other injured people and their attorneys.
If there is still not enough coverage to provide full compensation, applicable UM/UIM policies may help. You may be surprised to learn that you can sometimes collect from your own UM/UIM policy, even if you were not a driver and your car was not involved in the accident. This can be an immense help when the driver’s insurance coverage falls short.