What would I do if I get into an accident here in Washington and the auto insurance company of the at-fault driver refuses to pay the bills for the repairs and medical expenses?

Adonis

Spokane, WA

If you get into an auto accident in Washington wherein the other driver is at-fault, his/her auto insurance company might refuse to pay for the repairs of your car and medical expenses of anyone injured. They would probably just say that they did not authorize it so they will not pay it. One good technique that you can use if the auto insurance company of the other driver who was at-fault during the accident refuses to pay for repairs and treatments is to tell them that asking for their consent for the repairs of your car and treatment would delay the process. You can also explain that other charges such as vehicle-storage would increase the amount of your claim and it would mean more legwork for the adjuster.

Additionally, the auto insurance provider of the at-fault driver could not push you to bring your car to a particular repair shop they want to use. Majority of the states let car insurance companies to suggest a vehicle body shop, however, car insurance companies are not permitted to require you to use a particular repair shop. Remember that that would be totally your choice especially that it is your car and you were the victim.

I had this terrifying accident a couple of weeks ago with my wife and two children here in Vancouver, Washington. A van hit us in full impact because it was running to fast. My wife has the most impact that until now she is still under recovery. Do we need to use our own insurance or the other driver’s insurance?

Todd

Vancouver, WA

There is a law here in Washington known as the Tort System of Insurance whereas the driver who is at fault is the one going to pay for it. He will have to use his own Car Insurance to pay for the damage he had caused. He will use his’ for the physical damage and of all medical expenses you and your family has suffered.

Washington Law also includes a minimum requirement for the Bodily Injury Liability is $25,000 for each person who has suffered in the accident up to $50,000 per accident. The law also includes a minimum of $10,000 for the Property Injury Liability. Other Insurance Company in Vancouver, Washington will propose you to get a Personal Injury Protection but it would be better not to accept this since Washington Law does not require it but it is also helpful in paying for the damage you have suffered in an accident. There is also another policy that Washington doesn’t require but it will help you if you got yourself involved in an accident to an uninsured driver or those who has no enough coverage for the accident. There are Insurance Companies that offers you the most reasonable policy nobody can ever imagine even if with a driving record.