Do I Have To Use My Own Insurance?

Let’s assume you were in an accident, and you and the other driver both have insurance. You have two options: You can make a claim with the other driver’s insurance, or you can make a claim with your own. Which one do you choose? The answer is: Either one.

You are not required to use your own insurance after an accident. However, it is preferable that you do. Here’s why:

In Washington State, there are more consumer protections in place when you use the insurance that you’ve been paying premiums on. This is much better for you as the consumer than relying on whatever insurance the other driver is using. It also means your insurance company has to deal with the other driver’s insurance, which may or may not care about customer service.

You also will very likely have a better policy than the other driver. The minimum term limit in Washington State is $25,000. That may not be nearly enough to cover property loss, medical bills, loss of wages, loss of enjoyment of life, and other damages. Just remember: If you were not at fault, your rates will not go up. If you use your own insurance, you’ll be out your deductible at first, but you will eventually recover that as well. You’re always much better off using your own insurance.

Don’t be a victim of your insurance company

Here’s something to remember: Your insurance company is not your friend. Whether you use your own insurance or the other driver’s insurance to pay for damages, they both have the same agenda: Save as much of their own money as possible. While you have a little more legal protection if you use your own, be very careful and don’t sign anything the insurance adjuster sends you or speak to an adjuster until you’ve spoken with a qualified Washington State and Seattle car accident attorney. You could be signing away your right to thousands of dollars just so the insurance company can save money.

Questions about dealing the insurance company? Call us at 206-285-1743.