In assessing an insurance claim for a Washington Auto Accident, it’s important to know the various types of insurance that you may encounter.
Auto insurance coverage is typically broken down into separate components:
Liability coverage: This provides protection for claims made against an insured, where the use of an insured vehicle caused bodily injury or property damage to someone else
Medical payments coverage or personal injury protection (‘PIP’): This provides coverage for various medical expenses incurred by the insured and others as a result of an accident, regardless of negligence or liability on the part of the insured
Collision coverage: This provides coverage for losses that the insured suffers as a result of damage to his or her covered vehicle caused by a collision
Other-than-collision (also known as comprehensive) coverage: This provides coverage for losses that the insured suffers as a result of damage to or loss of a covered vehicle not caused by a collision (e.g., fire, theft, vandalism, falling objects, explosion, earthquake, flood, and civil commotion)
Uninsured motorist coverage: This provides coverage for losses that the insured and others sustain when injured through the negligence of an uninsured or unidentified hit-and-run motorist
Underinsured motorist coverage: This provides coverage for losses that the insured and others sustain when injured through the negligence of a motorist who has liability insurance, but the limit of that insurance is insufficient to pay for damages.
If you are injured by another party in an Seattle Auto Accident, the insurance that will pay for your damages is the other drivers Liability coverage. That said, your PIP coverage will pay your medical bills while the other claims are settled.
If you are in need of a assistance, consider contacting a Kirkland Auto Accident Attorney.
520 Kirkland Way, Ste 103
Kirkland, WA 98033