Handling Uninsured And Underinsured Motorist Claims In Bellevue
In Washington, uninsured motorist and underinsured motorist coverage may help protect you after a crash involving an uninsured driver, a driver with minimal coverage or a hit-and-run driver. Working with an attorney can help you understand your policy, protect your claim and respond when the insurance company questions the crash, your injuries or the value of your damages.
Amity Legal Associates, PS represents injured people in Bellevue, King County and the surrounding Seattle area after serious motor vehicle accidents. Founded by attorney Geoffrey Kim, the firm has served clients since 2014 and brings over 15 years of combined legal experience to personal injury claims. Geoffrey Kim works with associate attorney Joseph “Joey” Koler and was selected to Super Lawyers Rising Stars in 2024 and 2025.
What Does UM/UIM Coverage Protect After A Crash?
Uninsured motorist coverage may apply when the at-fault driver has no insurance, while the underinsured motorist coverage applies when the at-fault driver has insurance, but the policy limits are too low to cover the full cost of your injuries.
Depending on the policy, UM/UIM coverage may protect drivers, passengers, pedestrians or family members covered under the insured household.
UM/UIM coverage may help pay for medical treatment, lost income, pain and suffering, future care needs and other losses tied to the car accident. The available recovery depends on the policy language, the facts of the crash and the severity of the injuries.
Why Can Your Own Insurance Company Dispute The Claim?
Many people assume their insurer will be easier to deal with than the at-fault driver’s company. That is not always true. In a UM/UIM claim, your insurance company may still act like an opposing party.
It may be argued that your injuries are not as serious as claimed, that your treatment was unnecessary or that the uninsured or underinsured driver was not fully responsible.
After a crash, you should report the collision, seek medical care, preserve photos and records, obtain police and insurance information when possible and avoid broad recorded statements without legal guidance. Working with an attorney can help you protect the claim, respond to insurer disputes and pursue the compensation available under your policy.
Talk To A Bellevue UM/UIM Attorney
Amity Legal Associates, PS handles serious personal injury claims on a contingency fee basis, which means you do not pay attorney’s fees unless the firm recovers compensation for you.
If you were hurt by an uninsured motorist, underinsured motorist or hit-and-run driver in Bellevue or King County, discuss your legal options with a personal injury lawyer. Call 206-338-6402 or send an email to book an appointment.