Uninsured/Underinsured Motorist Claims

Uninsured & Underinsured Motorist Claims

Serving Tacoma, Olympia, Lakewood, West Olympia, Puyallup & Federal Way Since 1991

All drivers in Washington State are required to carry liability coverage. While the state does not require underinsured motorists coverage (UIM), it is in your best interest to have this type of insurance for cases of auto accidents. At the Law Offices of Harold D. Carr, our uninsured and underinsured motorist claim attorneys in Olympia can help ensure that all procedures are followed correctly so you receive maximum compensation for your injuries.

If you were injured in an accident caused by an uninsured or underinsured motorist, call (800) 520-6617 or contact us online to discuss your situation with an experienced lawyer.

How UIM Works

The minimum insurance coverage required by law is $25,000 for injuries. Underinsured motorists’ coverage through your insurance company provides coverage when you are injured in an accident that was caused by a driver who does not have car insurance or does not have enough coverage to fully compensate you for your damages. Although not required, having at least $100,000 in UIM coverage is recommended.


Filing a UIM Claim

It is important to notify your insurance company immediately if you were in an accident. Most insurance companies have strict rules about notifying the company to secure compensation through your UIM coverage. If you don’t notify them immediately, you may find that your claim is denied. This coverage is secondary to the at-fault driver’s, so you will need to recover compensation to the limits of the at-fault driver’s company before filing a claim.

In order to recover full compensation, you must:

  • Notify your insurance company right away
  • Show proof that the other driver doesn’t have insurance
  • Recover compensation from the at-fault driver’s policy first
  • Get the consent of your UIM insurance company before accepting a settlement offer

Insurance companies often seek to pay the minimum possible on all claims, regardless of whether the company covers the at-fault driver or your own policy. If you fail to follow the procedures, you may lose the right to compensation. In addition, if you don’t have legal representation, you may recover less than you are entitled to under your policy. Our uninsured and underinsured motorist claim lawyers in Olympia can handle the insurance company to maximize your compensation.

Contact our law firm today at (800) 520-6617 to discuss your claim with an attorney.

What can you expect?

  • Confidence

    We have demonstrated our commitment to accident victims for 25 years. No case is too big or too small.

  • Support

    We have a dedicated team who strives to help you. We take care of your case so you can focus on healing.

  • Convenience

    If you are unable to meet us at one of our many offices, we can meet you at the hospital or another place that is more convenient for you.

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Why do people love the firm?

  • “I had a very positive experience with this Law Firm. They actually drove to me in Shelton so that I wouldn't have to drive all the way to Olympia. From the get-go, they have gone above and beyond for me and have been extremely helpful.”

    - J.G.
  • “Stacey Rex should have on her desk nameplate "Your Advocate." Always pleasant, always responsive and always professional. In fact, they went the extra mile more than once! I felt comfortable navigating the system process.”

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  • “Such wonderful and helpful people! Deana was the best, so kind, helpful and didn't seem to get bothers by a million messages or phone calls! If I needed to I would use them again for sure!”

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  • “The staff is very friendly and I’m extremely impressed with the services provided. Thank you all for your continued support.”

    - F.M.