Focused Solutions

Insurance Lawyer

Successfully Helping Insurance Brokers Resolve Legal Issues

Keeping My clients covered

Insurance Law

We all deal with insurance. Few people and businesses could afford to cover the costs of major damages without insurance. That is why anytime you have been involved in an accident or are concerned someone is going to file a lawsuit against you the first call you should make is to your insurance carrier. Explain your situation. Depending on the situation, your insurance carrier may assign you an attorney.

Insurance Required By Washington Law

Insurance is necessary and required in many instances in the state of Washington. For example, most Washington drivers know they must carry liability insurance of at least $25,000 to protect another person from damages they cause. Motorcycle riders were exempt from carrying mandatory insurance until July 2019. Washington State also requires commercial vehicles to carry minimum liability insurance. The amount of commercial insurance required depends on the vehicle’s purpose. For example, an 18-wheeler hauling oil is required to carry $1,000,000 in liability insurance, whereas an 18-wheeler hauling freight is less.

Washington State insurance laws also require drivers to carry another type of auto liability insurance called personal injury protection (“PIP”). Unless you reject PIP coverage, automobile drivers must carry a minimum of $10,000 in PIP insurance to cover the costs of medical expenses, some lost wages, and essential household services in case they are injured in an accident. The minimum PIP coverage is not much. Most insurance companies offer higher PIP coverage amounts, and it is generally a good idea to have more PIP, not less.

Washington State law also requires insurance companies to offer automobile drivers $25,000 of uninsured motorist/underinsured motorist coverage (UM/UIM). Say you were injured by another driver in an accident who refused to follow the law and carry automobile insurance or did not carry enough liability insurance, UM/UIM insurance could help you pay for any injuries you or your family suffered in the accident. Like PIP, drivers can purchase more than $25,000 of UM/UIM coverage or reject UM/UIM coverage.

filing an insurance claim in washington state

Types Of Insurance Not Required By Law

There is insurance not required by law but still very common. Most homeowners have purchased insurance to protect their house, personal items, and third parties injured at the house. Similarly, businesses, including contractors, typically buy general liability insurance to protect against the risks of running a business. Common risks include damage to property, personal injuries, advertising errors, and harm to the business reputation.

Experience Working With Insurance Companies

Nearly my entire 17-year career has been spent defending individuals, families, and business owners. I have worked with some of the largest insurance carriers and third-party administrators in the nation to resolve a wide variety of claims, including:

  • construction & design defects
  • general negligence
  • motor vehicle accidents
  • catastrophic injuries
  • wrongful death
  • trucking accidents
  • premises liability

I have also defended one of the nation’s largest railway companies in the Federal Employer Liability Act (FELA), nuisance, easement, and fire cases. I am also a proud member of the Washington Defense Trial Lawyers.   

If you need an experienced insurance defense attorney to handle a claim in Richland, Kennewick, Pasco, or surrounding communities, contact my office today.