Olympia Uninsured & Underinsured Motorist Accident Lawyer

Injured by an Uninsured or Underinsured Driver?

Getting into a car accident is hard enough, but finding out the at-fault driver has little or no insurance can make things feel even worse.

Fortunately, Washington drivers often have options through their own insurance policies. If you were hit by an uninsured or underinsured motorist, Morgan Hill PC can help you file a claim and pursue the compensation you’re owed.

Understanding UM and UIM Coverage in Washington

In Washington State, auto insurance policies must include Uninsured/Underinsured Motorist (UM/UIM) coverage unless you rejected it in writing.

• Uninsured Motorist (UM) covers you when the other driver has no insurance.
• Underinsured Motorist (UIM) applies when the at-fault driver’s liability limits aren’t enough to cover your damages.

This coverage can also apply in 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 at-fault driver has no insurance
• Their policy limits are too low to cover your medical bills, lost income, or pain and suffering
• You were injured in a hit-and-run and the driver was never found
• You were hit as a pedestrian or cyclist by an uninsured driver
• You were a passenger in a vehicle struck 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 though UM/UIM claims are made 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 people in Olympia deal with 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 hurt by an uninsured or underinsured driver, time is limited. Contact us now to learn how your policy may still cover you.

We offer free consultations, and you don’t pay unless we win compensation for you.