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?
One of the saddest things I experience as an attorney is when a person comes to see me six months or a year after their accident, and they haven't gotten any medical treatment because they didn't have insurance and they were afraid to go into debt.
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.
You were minding your business, just trying to get home from work on your daily bus commute. Perhaps you were reading a book, or listening to music. All of a sudden - BOOM! - The bus was in a collision and your body was thrown around. Perhaps a part of your body hit a post, a window, or a part of a seat. Perhaps your neck or back were strained by the impact. Either way, you are hurt and it's getting worse. What do you do next?