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Seattle Uninsured Motorist Attorney

Olive|Bearb Law Group, PLLC is a Seattle law firm specializing in handing all forms of insurance issues, including Uninsured Motorist/Underinsured Motorist (UM/UIM) claims. Washington law requires drivers to carry at least $25,000 in liability insurance, but it is all too common for motorists to ignore this law in the hopes that they'll never get caught. But what happens if you are involved in a car accident with someone who has no insurance or not enough insurance to cover your damages? These situations are covered by Uninsured/Underinsured Motor Insurance, which protects you against people who break the law. The Seattle uninsured motorist attorneys at Olive|Bearb Law Group, PLLC work to ensure that your rights and interests are protected in a UM/UIM dispute and that you receive the compensation to which you are entitled.

What Is Uninsured/Underinsured Motorist Insurance?

UM/UIM insurance is a part of your policy that places your insurance company in the shoes of the uninsured driver. This situation puts you and your insurance company in a temporarily adversarial relationship, where the insurer's interest to minimize its payout conflicts with your right to be fully compensated for your injuries. The insurance company owes you a duty of good faith and fair dealing in these situations. They are obligated to properly investigate the claim and pay the amount you are owed if you are covered under the policy. Too often, policyholders are either unaware that they carry UM/UIM or feel reluctant to use their own insurance company to pay for the damages caused by someone else. Insurance companies will use the complex language of your policy or even your own sense of fairness against you. You can trust our experienced Seattle uninsured motorist lawyers to help you through the red tape and delays that often accompany these kinds of disputes. After all, you have been paying for UM/UIM in the event these very situations occur, and Olive|Bearb Law Group, PLLC will work to make sure the insurance company honors their end of the policy agreement.

By law, insurance companies are required to offer UM/UIM insurance up to the same amounts as the liability limits you purchase. You should have this coverage unless you specifically declined it when you were purchasing insurance, which can happen when people don't understand what UM/UIM is and how important it is. If you are unsure whether you have UM/UIM coverage, check your policy or call your agent. We strongly recommend that you carry this coverage as part of your auto insurance policy.

Your Insurance Company Has A Duty Of Good Faith And Fair Dealing

UM/UIM is just one of many situations in which your insurance company may violate their duty of good faith and fair dealing and wrongfully deny your claim. When in need of a qualified insurance lawyer in Seattle, the attorneys at Olive|Bearb Law Group, PLLC have extensive experience in handling many types of insurance bad faith claims, including:

  • Insurance Bad Faith
  • Insurance Fair Conduct Act
  • Third-Party Bad Faith
  • Personal Injury Protection (PIP) Claims

Contact Experienced Seattle Insurance Attorneys For Your UM/UIM Claim

People buy insurance hoping they never have to actually use it. If you do find yourself in a serious accident, you need to be assured that your insurance company has your best interests in mind - not theirs. If you have been in accident with an uninsured or underinsured motorist, please contact Olive|Bearb Law Group, PLLC at 206-629-9262 for more information about our legal services.