How Do I Know Which Insurance Company Should Be Helping Me?

There are a number of ways to look at this.  Here is what I see as a sensible approach. It makes a difference who is at fault and what you are trying to do.

Other Driver at Fault

Want to Fix My Car

  • Look to the other driver’s liability insurance
  • Look to your own collision coverage. Read the policy. Talk to your company.
  • Do you really own your car? If you are financing this car, the bank probably owns it and you simply make payments. If so involve the bank of finance company as you make decisions. If they total your car, understand the consequences of what you are doing if you settle for less than you owe on the car.

Want My Medical Bills Paid

  • Take care of your doctors. They are more helpful when they are getting paid.
  • Look to your own coverage. You may have some or all of these coverages. Which one you choose depends on the facts of your case.
    • PIP Insurance Coverage
    • Med Pay Insurance
    • Your Health Insurance
    • L&I coverage if this was a job injury
  • Look to the Other Drivers Liability Insurance
  • If there is no insurance coverage for your medical bills consider paying the bills yourself, asking the doctor to wait, getting help from a social service agency, find a patient assistance program, or consider a medical lien.

Want a Fair Settlement

  • Look to the other driver’s liability insurance. Know what you’re doing before you talk to these guys.
  • If the other driver has no insurance or not enough insurance, then look to your UM/UIM policy.
  • Think about other liable parties; is someone else liable? Talk to a lawyer, this is what they get paid to do – come up with good ideas in tough situations.

I Was a Passenger

  • Passengers are usually in a favorable legal situation. They can look to their own driver’s insurance or the other driver’s insurance.

I was a Pedestrian

  • I hope you are OK. Vehicle/pedestrian accidents can be painful. Look to the other drivers PIP, your health insurance, L&I coverage, or your PIP.

Accident Was My Fault

Want to Fix My Car

  • Look to your own collision coverage
  • Do you actually own your car? If it is bank financed, then they have an interest in what you are doing. Get them involved.
  • Check out What About My Crumpled Car

Want My Medical Bills Paid

  • Look for your own insurance such as PIP, MedPay, Health Insurance, L&I.
  • If none, pay it yourself or get help from a social service agency

I am a Pedestrian

  • Being an at fault pedestrian in an accident is no fun. Insurance coverage may be available from the drivers PIP, your health insurance, L&I coverage or other policies.

I’m Being Sued

  • Contact your liability insurer
  • If none, talk to a lawyer

Accident Is the Fault of Both Drivers

How to get a Free Consultation and Case Evaluation.

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The Smart Way to Find Out If You Have a Good Case.

Get a free consultation from a lawyer: Tell us about your concerns and let us show you some smart choices you can make for your claim. At the end of the call, no matter what you decide to do, you will have fresh ideas and an action plan. You will know that you have taken important steps to get your claim moving in the right direction. Protect yourself and your L&I claim with a free case consultation.

Don't Guess

Don't guess about the value of your claim. Don't compare your claim to someone else's. Get an expert opinion about your claim, from an experienced lawyer. Expertise counts, so use it to your advantage. Consultations are free. This strategy session will help you get informed.

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Yes, they are. Because both you and the attorney want to know if your case is any good. A free phone consultation or email gets that figured out quickly.  Questions are answered and no time is wasted. Call 206-343-1988 or email and let us help you figure it out with a free consultation.

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Chris Sharpe

Chris Sharpe

Christopher Sharpe is the go to attorney for injured persons. His law firm is helpful, honest, and knowledgeable about workers' compensation and personal injury law in the State of Washington. Chris has been helping injured Washington State workers for over 40 years. He has built his practice on thoroughly educating, honestly helping, and successfully representing workers throughout Washington State.

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