Davis Law Group Receives Seattle Business Magazine’s ‘Best Companies to Work For’ Award Learn More
Davis Law Group Receives Seattle Business Magazine’s ‘Best Companies to Work For’ Award Learn More
Suppose another driver caused your car accident in Seattle, Washington. You filed an insurance claim with the other driver’s insurance provider. The company sent you a letter stating it cannot confirm liability. The problem is that the other driver refuses to cooperate with their insurance company.
Most insurance policies include language requiring the insured to cooperate with claims filed under the policy. However, if an at-fault driver refuses to cooperate or denies fault, their insurance company may deny the claim.
Unfortunately, your only option may be to sue the at-fault driver, which may force them to cooperate with the claim to avoid a personal judgment. Continue reading to learn more about how to handle this frustrating situation and when hiring a Seattle car accident attorney might be beneficial to your recovery.
Washington requires drivers to purchase car insurance coverage that meets the following minimum limits:
Washington drivers must always carry their car insurance ID card whenever they drive and be prepared to show it if requested by law enforcement. The card must include the insurance company name, the policy number, the policy’s effective and expiration dates, and either the name of the insured driver or the year, make, and model of the insured vehicles.
Because the at-fault driver’s insurance company does not insure you, any claims you file with them are called third-party insurance claims or liability claims.
Typically, third-party claims begin with the other driver’s insurance company assigning an insurance adjuster to your claim. They are responsible for investigating the accident to determine who caused it and calculating repair costs.
Since Washington is an at-fault state, the other driver’s insurance can cover your bodily injuries as well as property damage. If the adjuster determines that the other driver caused the wreck, you can recover injury and property damage costs up to their policy limits.
If the at-fault driver won’t respond to the insurance company, it can delay any compensation you may receive. Their insurance company could also deny your claim if they can’t verify who caused the accident.
You may have a couple of options for recovering compensation for a car accident if the at-fault driver won’t respond to the insurance company:
Depending on your insurance coverage, you may be able to file a claim with your insurance company.
For instance, if you have it, collision insurance could cover your vehicle repair costs. Your insurance company may then pursue a claim against the at-fault driver to recover its losses. Unfortunately, collision insurance only covers property damage. It does not compensate you for your injuries.
Accident victims must prove fault for a car wreck to recover compensation for damages. If the other driver and their insurance company refuse to accept liability, filing a personal injury lawsuit could be the best option.
A Seattle car accident lawyer can file a lawsuit against the other driver to ask for compensation for your injuries, financial losses, pain, and suffering. Filing a lawsuit might put pressure on the other driver’s insurance company to settle before the case goes to trial.
If you’ve been injured in Seattle, WA, and need legal assistance, contact Davis Law Group Car Accident and Personal Injury Lawyers. Contact our legal team and schedule a free consultation with a car accident lawyer today. We proudly serve King County in Washington and its surrounding areas. Visit our law office at:
Davis Law Group Car Accident and Personal Injury Lawyers
2101 4th Ave 1030 Seattle, WA 98121
(206) 727 4000
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