What do you do when your car has been damaged in an accident and you need to get around. Whether your car is a total loss or whether it can be repaired, you still need some alternative method of transportation while you are without a vehicle. If the wreck was caused by the other driver, they are responsible to provide you a rental car while your car is in the shop or until your total loss claim is resolved, but what if they don't have insurance? Even if they do have insurance, their insurance company may choose to engage in a lengthy investigation on liability, delaying any payments. But you need a car now. What can you do?
Earlier this week I posted about being hit by a Canadian driver on Washington roads. While being hit by a foreign national can be inconvenient, at least you can be pretty certain that a Canadian driver has auto insurance, and probably pretty good coverage too. Sadly, the same can't be said for U.S. drivers. Although Washington law requires that all drivers carry at least $25,000 in liability insurance, nearly twenty percent of Washington drivers have no insurance at all. So if you get injured in a crash caused by an uninsured driver in Washington, what can you do?
Do you know what your auto insurance coverage is? Do you know how much your limits are? If you do, you're the exception. When I speak to groups and ask this question, usually less than 10 percent of the people raise their hands. The first step in optimizing your insurance coverage is to know what you already have.
A few months ago I sat down with a man who was looking into a personal injury claim on behalf of his wife. She had been driving in Mukilteo when a drunk driver crossed the center line and hit her head on. She suffered multiple injuries, but the most severe injury was to her ankle. She had already undergone several ankle surgeries and she was looking at a long and painful recovery. It was likely that she would suffer a permanent disability as the result of this incident.
While your liability coverage pays for the damages you cause, it does not do anything to help you when you are injured by someone else. Once that person's liability coverage is exhausted, or if he doesn't have insurance, you are out of luck unless you have purchased uninsured/underinsured coverage as part of your own auto insurance.