General Injury and Insurance Questions

Can I sue my own insurance company?

What does “bad faith” mean in regards to an insurance company?

The insurance company just sent me a claims release form. Should I sign it?

Should I take a quick settlement for my property damage?

I was hit by a distracted driver while I was riding my motorcycle, the accident wasn’t serious and although my bike isn’t totaled it did sustain some damage. The insurance adjuster came to look at my bike and give me a quote for the amount of repair it would need. He also recommended an auto shop, should I go to the place he recommended?

If I make a UM/UIM or PIP claim will my insurance rates go up?

What kind of auto insurance coverage do I need?

How should I deal with an insurance adjuster?

What do I do if the insurance company denies my medical claim because there wasn’t much damage to the car?

What do I do if my insurance company denies my claim?

Can the at-fault party’s insurance company refuse to cover my medical bills from the accident?

Am I Liable for Acts of Nature that Cause Damage?

Will My Health Insurance Company Come After My Injury Settlement?

If the insurance company is going to undercut my attorney’s request for settlement, why not open with a very large demand?

How is the settlement value of my case determined?

Will the insurance company pay the amount demanded in my attorney’s first settlement demand?

Can I sue USAA insurance?

Can I sue PEMCO Insurance?

Can I sue GEICO Insurance?

Can I sue Nationwide Insurance?

Can I sue Progressive Insurance?

Can I sue Liberty Mutual Insurance?

Can I sue American Family Insurance?

Can I sue Allstate Insurance?

Can I Sue My Own Insurance Company?

[peekaboo_link name=”video1″]+Click here to watch a video[/peekaboo_link]

[peekaboo_content name=”video1″][/peekaboo_content]

Yes, it is possible to sue your insurance company. If you were injured in an auto accident and the other driver didn’t have insurance or it was a hit-and-run your insurance company will be the company that you file your claim with. But even though it is your own insurance company their adjusters are not there to help you, they are there to make the company money and they don’t do that by handing out large settlements.

If your insurance company is refusing to offer you a fair settlement or trying to deny your claim, you do have the right to sue. If you think that your insurance company is not offering you a settlement large enough to cover your expenses it may be time to hire an experienced Washington personal injury attorney. Almost every Seattle personal injury lawyer will offer a free consultation that will help you decide if hiring a lawyer will help you get the settlement you deserve.

What Does “Bad Faith” Mean In Regards To An Insurance Company?

[peekaboo_link name=”video2″]+Click here to watch a video[/peekaboo_link]

[peekaboo_content name=”video2″][/peekaboo_content]

It means that the insurance company in question unreasonably withheld insurance policy benefits. There are many different ways in which an insurance company can display bad faith practices; here are a few of the most common:

  • Misrepresenting facts or provisions of your insurance policy
  • Failing to act in a reasonable amount of time
  • Attempting to offer an unreasonably low settlement
  • Failing to settle a claim where liability is clear cut

The Insurance Company Just Sent Me A Claims Release Form. Should I Sign It?

[peekaboo_link name=”video3″]+Click here to watch a video[/peekaboo_link]

[peekaboo_content name=”video3″][/peekaboo_content]

If you have an attorney always check with them before signing anything. If you don’t have an attorney now may be the time to consult with an experienced Seattle personal injury attorney. When you sign the claims form you are saying that you agree with the settlement offered by the insurance company and you sign away your right to sue for any more money. You also sign away your right to sue the negligent driver in the future. Always make sure that you read through the release form thoroughly because you may be signing away rights that you weren’t aware of. Hopefully at this point you have a Washington personal injury lawyer on your side to make sure that you don’t unknowingly sign away all your rights.

Should I Take A Quick Settlement For My Property Damage?

[peekaboo_link name=”video4″]+Click here to watch a video[/peekaboo_link]

[peekaboo_content name=”video4″][/peekaboo_content]

If your car wasn’t totaled the insurance company will usually send out an adjuster to inspect the damage to your car. They will bring a computer with them and use a program to total how much they think it will cost to repair the damage, and in some cases offer to write you a check right there. I know it can be hard to say no to that money but you need to do some research before you accept their offer. If possible take your car into your regular shop to have them assess the damage and give you a quote for how much the work will cost. Take your car to two shops if possible. That way when the adjuster comes out to inspect your car you will be able to negotiate an amount that will cover the actual cost to repair your car.

If you accept a quick settlement without doing your research you may get your car to the shop only to find out that the adjuster didn’t offer nearly enough money to repair your car. If this happens there is nothing you can do, once you have accepted the check you can’t ask for any more money. This means that if they low ball you, you will have to make up the difference. I know a quick settlement sounds like the best option, but always do your research before you accept any offer made by the insurance company.

I Was Hit By A Distracted Driver While I Was Riding My Motorcycle, The Accident Wasn’t Serious And Although My Bike Isn’t Totaled It Did Sustain Some Damage. The Insurance Adjuster Came To Look At My Bike And Give Me A Quote For The Amount Of Repair It Would Need. He Also Recommended An Auto Shop, Should I Go To The Place He Recommended?

Probably not. The adjuster is likely telling you to go to a shop where they have a good relationship with the insurance company. While this sounds good, what this could actually mean is that the body shop can give low estimates and in return the insurance company will refer all work to them, and this can lead to a low quality of work from the shop. But if you get your car back and it wasn’t repaired properly and they didn’t do a good job it will be nearly impossible to get the insurance company to pay for the work to be fixed elsewhere.

If I Make A UM/UIM Or PIP Claim Will My Insurance Rates Go Up?

[peekaboo_link name=”video5″]+Click here to watch a video[/peekaboo_link]

[peekaboo_content name=”video5″][/peekaboo_content]

No, state law ensures that if you make a claim against your UM/UIM or PIP coverage your rates will not be affected.

What Kind Of Auto Insurance Coverage Do I Need?

[peekaboo_link name=”video6″]+Click here to watch a video[/peekaboo_link]

[peekaboo_content name=”video6″][/peekaboo_content]

 Washington State insurance laws require a certain amount of liability coverage, but there are many different types of coverage that are not legally required, but you should have for your protection.

Types of coverage:

Liability insurance coverage is obviously required to pay for the damage if you hit another vehicle. All other forms of coverage are to protect you.

Comprehensive insurance will cover your car if you are ever the victim of a burglary, a natural disaster or even get a chip or crack in your windshield.

UM/UIM is underinsured or un-insured motorist protection. UM/UIM will help pay for the vehicle damage and medical bills if you are hit by a driver operating without insurance or without enough insurance to cover the damages. With a 1 in 6 chance the driver hitting you in an accident is uninsured, this is essential to your protection.

PIP or Personal Injury Protection will protect you regardless of who is at fault. There is a limit to what this will protect, however. Your insurance company will pay only for what is reasonable, necessary and caused by the accident. Nevertheless, this is very important coverage to have.

How Should I Deal With An Insurance Adjuster?

[peekaboo_link name=”video7″]+Click here to watch a video[/peekaboo_link]

[peekaboo_content name=”video7″][/peekaboo_content]

Contrary to popular belief, insurance adjusters are not your friend or working in your best interest. An insurance adjuster’s job is to find whatever they can to lower or deny your claim. Do not make a statement to the adjuster until after you speak with an experienced auto accident attorney about your case. What you say to an insurance adjuster can be easily misconstrued and used against you later on in the claims process. When they call, politely tell them you will return their call at a later time.

What Do I Do If The Insurance Company Denies My Medical Claim Because There Wasn’t Much Damage To The Car?

[peekaboo_link name=”video8″]+Click here to watch a video[/peekaboo_link]

[peekaboo_content name=”video8″][/peekaboo_content]

Insurance companies may try to deny medical claims due to “insufficient” damage to the vehicle, but scientifically, the damage to the vehicle does not always reflect the damage to the individual. Insurance companies even go so far as to higher “experts” to dispute these medical claims. If this happens to you, consult an attorney immediately. Only an experienced car accident lawyer will be able to help you.

What Do I Do If My Insurance Company Denies My Claim?

[peekaboo_link name=”video9″]+Click here to watch a video[/peekaboo_link]

[peekaboo_content name=”video9″][/peekaboo_content]

Insurance companies are only there to make money and will often try to deny legitimate claims just to save money. If your insurance company is denying your claim, contact a lawyer immediately- if you show that you have hired a knowledgeable lawyer to represent you, insurance companies will often back down and start negotiating.

Can The At-Fault Party’s Insurance Company Refuse To Cover My Medical Bills From The Accident?

[peekaboo_link name=”video10″]+Click here to watch a video[/peekaboo_link]

[peekaboo_content name=”video10″][/peekaboo_content]

The at-fault party’s insurance company is not obligated to pay you and often they will refuse to pay, saying that the injuries were not caused by the accident, or their client was not at fault in the incident. Hiring an aggressive attorney, however, will make them sing a different tune as they will start to fear how much they will have to pay if the case is taken to trial.

Am I Liable For Acts Of Nature That Cause Damage?

[peekaboo_link name=”video11″]+Click here to watch a video[/peekaboo_link]

[peekaboo_content name=”video11″][/peekaboo_content]

This is a question that will have a different answer depending on the situation and facts involved. In some cases, what you may consider an ‘act of nature,’ would be considered by some as negligence on your part.

Will My Health Insurance Company Come After My Injury Settlement?

[peekaboo_link name=”video12″]+Click here to watch a video[/peekaboo_link]

[peekaboo_content name=”video12″][/peekaboo_content]

In general you have a duty to reimburse your health insurance company if you recover money from the at-fault party. This is known as subrogation. There usually is a lot of room to negotiate on these issues, as long as your health plan is not an ERISA based one.

If it is an ERISA plan, then everything changes. The law regarding ERISA is currently in flux, but it may be the case that they are entitled to a full reimbursement of every dollar they paid.

If The Insurance Company Is Going To Undercut My Attorney’s Request For Settlement, Why Not Open With A Very Large Demand?

[peekaboo_link name=”video13″]+Click here to watch a video[/peekaboo_link]

[peekaboo_content name=”video13″][/peekaboo_content]

You may think that since this is a negotiation and the insurance company will just undercut your lawyer’s opening demand that your lawyer should open with a very large demand. This thinking is incorrect and such tactics can delay the process. Making a ridiculously large settlement demand can make you and your attorney look unreasonable. If the insurance company thinks you are unreasonable they may refuse to make any offer at all.

Your Seattle personal injury lawyer knows that it is important to make the first demand a reasonable one. Your lawyer has experience with these types of negotiations and he or she will know how much to demand in an opening offer so that negotiations will be fruitful. If you are not already represented by an attorney, please call Premier Law Group, PLLC for a free evaluation of your case.

How Is The Settlement Value Of My Case Determined?

[peekaboo_link name=”video14″]+Click here to watch a video[/peekaboo_link]

[peekaboo_content name=”video14″][/peekaboo_content]

You will, of course, have the ultimate decision to make regarding the settlement value of your case. However, assuming you have retained a Seattle Personal injury lawyer, it is important to listen to your lawyer when discussing that amount. Your lawyer has a lot of experience litigating personal injury cases and has developed a sense for how much cases are worth. Therefore, you should seriously and carefully consider any recommendation he or she makes about the ultimate value of your case.

After evaluating all the relevant factors in your case, your lawyer will discuss the case with you to arrive at a possible settlement range. Your attorney will then present a demand to the insurance company in the hope and expectation that the insurance company will pay a settlement within the range determined.

Will The Insurance Company Pay The Amount Demanded In My Attorney’s First Settlement Demand?

[peekaboo_link name=”video15″]+Click here to watch a video[/peekaboo_link]

[peekaboo_content name=”video15″][/peekaboo_content]

You should think of the amount demanded in your attorney’s first demand letter to the insurance company as being an opening offer in a negotiation. The amount demanded in the first letter is almost always substantially higher than the actual settlement range decided by you and your attorney. This is a common negotiation tactic for personal injury cases.

A Seattle personal injury lawyer has the requisite experience to determine an opening demand that will give both parties enough room to negotiate. This is why the initial demand made to the insurance company is not the actual settlement range of your case.

Can I Sue USAA Insurance?

Yes, it is possible to sue USAA insurance. If you were injured in an auto accident and the other driver didn’t have insurance or it was a hit-and-run USAA will be the company that you file your claim with. But even though it is your own insurance company their adjusters are not there to help you, they are there to make the company money and they don’t do that by handing out large settlements.

If USAA Insurance is refusing to offer you a fair settlement or trying to deny your claim, you do have the right to sue. If you think that your insurance company is not offering you a settlement large enough to cover your expenses it may be time to hire an experienced Washington personal injury attorney. Almost every Seattle personal injury lawyer will offer a free consultation that will help you decide if hiring a lawyer will help you get the settlement you deserve.

Can I Sue PEMCO Insurance?

Yes, it is possible to sue PEMCO insurance. If you were injured in an auto accident and the other driver didn’t have insurance or it was a hit-and-run PEMCO will be the company that you file your claim with. But even though it is your own insurance company their adjusters are not there to help you, they are there to make the company money and they don’t do that by handing out large settlements.

If PEMCO Insurance is refusing to offer you a fair settlement or trying to deny your claim, you do have the right to sue. If you think that your insurance company is not offering you a settlement large enough to cover your expenses it may be time to hire an experienced Washington personal injury attorney. Almost every Seattle personal injury lawyer will offer a free consultation that will help you decide if hiring a lawyer will help you get the settlement you deserve.

Can I Sue GEICO Insurance?

Yes, it is possible to sue GEICO insurance. If you were injured in an auto accident and the other driver didn’t have insurance or it was a hit-and-run GEICO will be the company that you file your claim with. But even though it is your own insurance company their adjusters are not there to help you, they are there to make the company money and they don’t do that by handing out large settlements.

If GEICO Insurance is refusing to offer you a fair settlement or trying to deny your claim, you do have the right to sue. If you think that your insurance company is not offering you a settlement large enough to cover your expenses it may be time to hire an experienced Washington personal injury attorney. Almost every Seattle personal injury lawyer will offer a free consultation that will help you decide if hiring a lawyer will help you get the settlement you deserve.

Can I Sue Nationwide Insurance?

Yes, it is possible to sue NATIONWIDE insurance. If you were injured in an auto accident and the other driver didn’t have insurance or it was a hit-and-run NATIONWIDE will be the company that you file your claim with. But even though it is your own insurance company their adjusters are not there to help you, they are there to make the company money and they don’t do that by handing out large settlements.

If NATIONWIDE Insurance is refusing to offer you a fair settlement or trying to deny your claim, you do have the right to sue. If you think that your insurance company is not offering you a settlement large enough to cover your expenses it may be time to hire an experienced Washington personal injury attorney. Almost every Seattle personal injury lawyer will offer a free consultation that will help you decide if hiring a lawyer will help you get the settlement you deserve.

Can I Sue Progressive Insurance?

Yes, it is possible to sue PROGRESSIVE insurance. If you were injured in an auto accident and the other driver didn’t have insurance or it was a hit-and-run PROGRESSIVE will be the company that you file your claim with. But even though it is your own insurance company their adjusters are not there to help you, they are there to make the company money and they don’t do that by handing out large settlements.

If PROGRESSIVE Insurance is refusing to offer you a fair settlement or trying to deny your claim, you do have the right to sue. If you think that your insurance company is not offering you a settlement large enough to cover your expenses it may be time to hire an experienced Washington personal injury attorney. Almost every Seattle personal injury lawyer will offer a free consultation that will help you decide if hiring a lawyer will help you get the settlement you deserve.

Can I Sue Liberty Mutual Insurance?

Yes, it is possible to sue LIBERTY MUTUAL insurance. If you were injured in an auto accident and the other driver didn’t have insurance or it was a hit-and-run LIBERTY MUTUAL will be the company that you file your claim with. But even though it is your own insurance company their adjusters are not there to help you, they are there to make the company money and they don’t do that by handing out large settlements.

If LIBERTY MUTUAL Insurance is refusing to offer you a fair settlement or trying to deny your claim, you do have the right to sue. If you think that your insurance company is not offering you a settlement large enough to cover your expenses it may be time to hire an experienced Washington personal injury attorney. Almost every Seattle personal injury lawyer will offer a free consultation that will help you decide if hiring a lawyer will help you get the settlement you deserve.

Can I Sue American Family Insurance?

Yes, it is possible to sue AMERICAN FAMILY insurance. If you were injured in an auto accident and the other driver didn’t have insurance or it was a hit-and-run AMERICAN FAMILY will be the company that you file your claim with. But even though it is your own insurance company their adjusters are not there to help you, they are there to make the company money and they don’t do that by handing out large settlements.

If AMERICAN FAMILY Insurance is refusing to offer you a fair settlement or trying to deny your claim, you do have the right to sue. If you think that your insurance company is not offering you a settlement large enough to cover your expenses it may be time to hire an experienced Washington personal injury attorney. Almost every Seattle personal injury lawyer will offer a free consultation that will help you decide if hiring a lawyer will help you get the settlement you deserve.

Can I Sue Allstate Insurance?

Yes, it is possible to sue ALLSTATE insurance. If you were injured in an auto accident and the other driver didn’t have insurance or it was a hit-and-run ALLSTATE will be the company that you file your claim with. But even though it is your own insurance company their adjusters are not there to help you, they are there to make the company money and they don’t do that by handing out large settlements.

If ALLSTATE Insurance is refusing to offer you a fair settlement or trying to deny your claim, you do have the right to sue. If you think that your insurance company is not offering you a settlement large enough to cover your expenses it may be time to hire an experienced Washington personal injury attorney. Almost every Seattle personal injury lawyer will offer a free consultation that will help you decide if hiring a lawyer will help you get the settlement you deserve.

Back to Top

Pin It on Pinterest