Do you know how much liability insurance the State of Washington requires drivers to carry?\u00a0 $25,000.<\/p>\n
That\u2019s right, only $25,000.\u00a0 In some states, the limits are even lower.\u00a0 That might initially seem like a lot of money, but here is how it works \u2013 if a negligent driver injures you and they have only the minimum amount of liability insurance required, their insurance company can only pay you a maximum of $25,000, regardless of how badly you were injured or how badly the other driver behaved.\u00a0 For example, if you are injured by a drunk driver and need to have surgery, their insurance company will only pay you $25,000, regardless of the amount of your medical bills, regardless of how long you are unable to work, and regardless of whether you will ever fully recover.\u00a0 If the other driver doesn\u2019t have a job, a home (with equity), or other assets, you won\u2019t be able to get anything else.\u00a0 After all, \u201cyou can\u2019t get blood out of a turnip.\u201d<\/p>\n
Since you can\u2019t force other people to drive better or buy more insurance, how can you protect yourself?\u00a0 The answer is simple \u2013 purchase Underinsured\/Uninsured Motorist (UIM) insurance.\u00a0 This insurance steps in and provides additional insurance to you if the person who causes your injuries has no insurance or not enough insurance.\u00a0 UIM insurance will also protect you if you are injured while you are a passenger in someone else\u2019s car or if you are a pedestrian.\u00a0 It will even protect you if you are hit by a car while you are riding your bicycle!<\/p>\n
UIM insurance is affordable and easy to buy \u2013 and your insurance rates should not go up if you need to use it.\u00a0 There are several different levels of coverage you can buy.\u00a0 The amounts start as low as $25,000 and go as high as $1 million.\u00a0 We believe that you should purchase $250,000 worth of UIM coverage.<\/strong>\u00a0 If you cannot afford this much insurance, please do not buy anything less than $100,000 of UIM coverage.\u00a0 This coverage is used to compensate you for all of your injuries and losses.\u00a0 This means that it covers your medical expenses (both the ones you\u2019ve already incurred and the ones you may need in the future), your wage loss, and your \u201cpain and suffering.\u201d\u00a0 These losses can add up quickly, especially if you are badly injured.<\/p>\n We have seen too many people who were injured through absolutely no fault of their own, but who were unable to be fairly compensated because the person who injured them didn\u2019t have enough insurance coverage and<\/span> they didn\u2019t purchase any\/enough UIM insurance.<\/p>\n Please, protect yourself and your family by purchasing UIM insurance.\u00a0 \u00a0It is one of the most important things you can do.\u00a0<\/strong>\u00a0<\/strong><\/p>\n The attorneys at Nelson Boyd have over 50 years of combined legal experience in representing injured people and fighting insurance companies.\u00a0 If you have been injured, if you have an insurance claim, or if you just have questions about insurance coverage, please contact us at (206) 971-7601<\/strong>.\u00a0 Nelson Boyd \u2013 We Care.\u00a0 We Can Help.\u00a0 www.nelsonboydlaw.com<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":4,"featured_media":1247,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[109],"tags":[34,26,38,46,75,144,97,145],"acf":[],"_links":{"self":[{"href":"https:\/\/www.nelsonboydlaw.com\/blog\/wp-json\/wp\/v2\/posts\/1130"}],"collection":[{"href":"https:\/\/www.nelsonboydlaw.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.nelsonboydlaw.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.nelsonboydlaw.com\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nelsonboydlaw.com\/blog\/wp-json\/wp\/v2\/comments?post=1130"}],"version-history":[{"count":2,"href":"https:\/\/www.nelsonboydlaw.com\/blog\/wp-json\/wp\/v2\/posts\/1130\/revisions"}],"predecessor-version":[{"id":3132,"href":"https:\/\/www.nelsonboydlaw.com\/blog\/wp-json\/wp\/v2\/posts\/1130\/revisions\/3132"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.nelsonboydlaw.com\/blog\/wp-json\/wp\/v2\/media\/1247"}],"wp:attachment":[{"href":"https:\/\/www.nelsonboydlaw.com\/blog\/wp-json\/wp\/v2\/media?parent=1130"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nelsonboydlaw.com\/blog\/wp-json\/wp\/v2\/categories?post=1130"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nelsonboydlaw.com\/blog\/wp-json\/wp\/v2\/tags?post=1130"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}