How Insurance Companies Handle Personal Injury Claims in Washington
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How Insurance Companies Handle Personal Injury Claims in Washington State
Table Of Contents
How the Insurance Process Works After an Accident
After an accident in Washington, the insurance company for the at-fault party is generally responsible for paying your claim. Here’s how the process typically unfolds:
- You report the accident to your insurer and possibly the at-fault parties.
- An insurance adjuster is assigned to investigate the claim.
- They review police reports, medical records, and other documentation.
- The adjuster may contact you for a recorded statement (be cautious).
- A settlement offer is made, usually lower than what your case is worth.
Types of Insurance Involved in a Personal Injury Claim
- Liability Insurance: Covers the damages caused by the at-fault party.
- Uninsured/Underinsured Motorist (UM/UIM): Applies if the at-fault driver has no insurance or not enough coverage.
- Personal Injury Protection (PIP): Pays for your medical bills and lost wages, regardless of fault.
- Health Insurance: May cover immediate care, subject to reimbursement from the settlement.
Common Insurance Company Tactics to Watch Out For
- Delaying the process in hopes you’ll give up
- Requesting unnecessary documentation to stall payment
- Denying liability or blaming you for the accident
- Offering a quick but low settlement
- Misrepresenting coverage limits
- Recording your statements and using them out of context
Understanding Your Rights Under Washington Law
You have important protections under Washington state law. For example:
- You have 3 years from the date of the accident to file a personal injury lawsuit (RCW 4.16.080).
- Washington uses a pure comparative fault system, meaning your recovery is reduced by your percentage of fault (RCW 4.22.005).
When to Involve a Personal Injury Attorney
- The insurance company is disputing fault
- You suffered serious injuries or long-term disability
- You’re being offered a low settlement
- You’re not sure what your case is worth
- You’re feeling pressured to settle quickly
Get Help Dealing With the Insurance Company
You don’t have to take on the insurance company alone.
At Morgan Hill PC, we level the playing field. We know their tactics, and we know how to beat them.
Call today for a free consultation and get the support you need to fight for fair compensation.
FAQ: Insurance and Injury Claims in WA
Q: Do I have to speak to the other party’s insurance adjuster?
A: No. You’re not legally required to give a recorded statement, and doing so can hurt your case.
Q: What if the insurance company denies my claim?
A: You can appeal the decision or file a lawsuit. An attorney can help you assess your options and pursue compensation.
Q: How long do I have to file a claim?
A: You typically have 3 years from the date of injury to file a lawsuit under Washington law.
Q: Will my case settle or go to court?
A: Most cases settle before trial. However, having a lawyer who is willing to litigate improves your chances of a better settlement.
Personal Injury Service Areas
Olympia
Tacoma
Thurston County
Pierce County