Articles Posted in Insurance

seattle car accident lawyerEvery driver of a vehicle in Washington state is required by law to have car insurance, be self insured, have a certificate of deposit or a liability bond. Even if you have your car registered in another state, you must have proof of insurance to drive in Washington.

Driving without insurance is a serious offense and can result in losing your driver’s license and be subject to a fine of at least $450.

Despite laws which requires drivers to purchase insurance, there are many drivers on our roads and highways who are without insurance and get involved in accidents. In one study, it was determined that one of every seven drivers was driving without automobile liability insurance. In some states, the percentage is even higher.

If you or a loved one has been involved in a auto accident involving an uninsured motorist, you not only have to worry about recovering from your injuries but you are left with the financial fallout if the person who hit you did not have insurance or were underinsured.

Washington Uninsured Motorist Accident Help

The Farber Law Group helps car accident victims in Bellevue, Seattle and all over Western Washington receive fair compensation for their damages after a motor vehicle accidents and we would like to help you too.

If you have been involved in an accident caused by an uninsured or under-insured driver, your own insurance may pay your claim if you purchased uninsured motorists’ coverage. While Washington state law requires auto insurers to offer uninsured or under-insured motorist coverage, some people waive the coverage or opt to purchase less than full liability coverage. The Farber Law Group recommends that you do not waive insurance because you never know when you’ll be in an accident with an uninsured driver.

All too often, uninsured drivers have no personal assets to cover damages in a car accident. In this case, your own uninsured motorist coverage should compensate you for your injuries.

Sometimes an uninsured driver will be covered by another person’s insurance. If the uninsured driver who hit you was driving in the course of their employment or driving a work vehicle, you may be able to make a claim against the driver’s employer or the owner of the vehicle they were driving.
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Car accidents are stressful regardless of whether or not there are any injuries. While you may not want to file an auto accident claim, sometimes you really don’t have any choice.

redmond car accident attorneyIn order to determine whether you need to file a claim, the first question you should ask yourself is if you can pay for the damage outright. Often times if you can pay for it yourself, filing an auto accident claim can hurt you more in the long run. If you can pay for it yourself without trouble, you should consider not filing a claim.

If you decide that you need to file an auto accident claim, that’s okay, but there are some things you should know. First of all, you need to file the claim as soon as possible with your insurance company, even if the accident is not your fault. If you take your time filing the claim, this may say to any insurance company involved that you don’t think this is important, or that you aren’t sure if you are not to blame. It doesn’t matter how busy you are, make the job of filing an auto insurance claim a priority and do it right away.

It’s not unusual to get a call from the other party’s insurance company, especially if there is a disagreement about who is at fault for the accident. If you get a call, don’t panic; they’re only trying to get as much information as possible. Make sure you write down the name of the person you talked to and when, and take notes documenting the call. The most important thing to remember is that you should always tell an honest account of what you think happened to both your insurance company and the one of the other driver.

Once you’ve filed your auto insurance claim, it may take some time for the insurance company to come to a resolution. Make sure you do what they say, and listen to them carefully, as they’ll be able to tell you what to expect next. Ask any insurance agent you talk to any questions you may have and be sure to write down the answers and keep them in a safe place until the whole issue is completely over.

Getting in an accident is no fun, but filing an auto accident claim doesn’t have to be a frustrating experience.

This information is provided as a service of The Farber Law Group. We have more than 30 years experience representing clients who have serious injuries due to motor vehicle accidents. With our help, you may recover compensation for your damages.

More questions? Click here.

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If you’ve been hurt in an accident and you feel another party is to blame, you may want to file a personal injury claim. There is some information you should know however before doing so.

First of all, it’s important that you let the responsible for the accident know you believe they are responsible before you file your claim. You don’t necessarily have to know for sure who is responsible, but you have to have an idea. In the first part of your personal injury claim you don’t have to give anyone including insurance companies any information about your accident. Just simply state what happened and where, that you were hurt in this particular accident, and that you intend to file a personal injury claim.

If you aren’t exactly sure who is responsible or who you should notify about your personal injury claim, then notify everyone who may be responsible. Depending on what kind of accident you were in is going to depend on whether you know who exactly is to blame. In a car accident, for example, you probably know for sure that the other driver is to blame; if you are hurt in a company with a lot of employees, you may not know.

The correct way to let all parties know you intend to file a personal injury claim is to write letters informing them of your accident. Be sure to let them know you were injured. In some cases, it may be necessary to write and send more than one letter. For example, if you were hurt in a place of business, you would send a letter to the owner of the business as well as the owner of the property where the business resides.

You do not want to take your time in getting those letters out. There is no time limit, however in order to have the best possible chance to win your personal injury claim, you need to let all parties know as quickly as possible after your accident. Always send your letter through registered or certified mail so you know for certain they received it.

As long as you notify all parties involved prior to the claim, no one will be able to say they were surprises when the time comes for the claim.

Notifying all parties involved in your accident is the first step in filing a personal injury claim.

This information is provided by The Farber Law Group. We represent people who have been seriously injured in motor vehicle accidents due to the negligence of another. For more answers to your questions, click here.
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The Insurance Institute for Highway Safety reported that the Cadillac Escalade has the dubious honor of being the vehicle with the most insurance claims for theft.

The IIHS looked at insurance claims for stolen vehicles between 2008-2010 collected by the Highway Loss Data Institute (HLDI) found the following vehicles had the highest claim rates per 1,000 vehicles.

  1. Cadillac Escalade (all 4 versions) with Escalade EXT stolen at the highest rate with 14 claims per 1,000 vehicles
  2. Ford F-250 crew 4WD – 9.7 claims
  3. Chevrolet Silverado 1500 crew – 9.2 claims
  4. Ford F-450 crew 4WD – 7.9 claims
  5. GMC Sierra 1500 crew – 7.3 claims
  6. Chrysler 300 – 7.1 claims
  7. Ford F-350 crew 4WD – 7.1 claims
  8. Chevrolet Avalanche 1500 – 6.4 claims
  9. GMC Yukon – 6.4 claims
  10. Chrysler 300 HEMI – 6.3

The vehicles with the lowest claim rates per 1,000 vehicles were:

  1. Audi – .5 claims
  2. Mercury Mariner – .5 claims
  3. Chevrolet Equinox – .6 claims
  4. Volkswagen CC – .6 claims
  5. Chevrolet Equinox 4WD – .6 claims
  6. Lexus RX 350 – .6 claims
  7. Saturn VUE – .6 claims
  8. Chevrolet Aveo – .6 claims
  9. BMW 5 series 4WD – .7 claims
  10. Mino Cooper Clubman – .7 claims/ol>

    From this list, you can tell that thieves are targeting large pickup trucks. That makes those vehicles cost more to drive per year because of the fuel and insurance costs.

    This information is provided by Seattle car Accident Lawyer blog, a service of The Farber Law Group. We represent people who have been seriously injured in automobile accidents and the family of those killed.

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A Florida jury has awarded Lou Sink, 50, $395,000 in damages after his car was rear-ended by an SUV driven by Andrea Derantany, leaving Sink with serious injuries.

Sink suffered multiple injuries in the car accident including fractured ribs and a spinal fracture and rupture. He had to undergo fusion surgery, a laminectomy and his recovery included six months of physical therapy.

Even after the surgeries and therapy, Sink still suffer pains and he has limited range-of-motion.

Sink filed suit against Deratany claiming her negligence caused the accident. He also filed suit against Deratany’s spouse because he was owner of the SUV.

The jury awarded Sink $395,000. His medical bills were $180,000.

Defense attorneys have asked for a new trail and a “remittitur” which is a legal term asking the judge to reduce or throw out a jury’s verdict.

Sink’s injuries are typical of a rear-end car accident. Even at moderate speeds, drivers can experience whiplash or a more severe and permanent injury such as a disk herniation.

Often laymen refer to these kind of injuries as “whiplash“. Whiplash is not a medical diagnosis but it describes what happens when there is a hyperflexion/hyperextension injury. In Mr. Sink’s case, he suffered a thoracic fracture which is an injury to the middle segment of the vertebral column.

Whiplash injuries can occur in any type of car accident but they most often occur in rear-end collisions. The National Highway Traffic Safety Administration (NHTS) estimates that approximately 800,000 suffer a whiplash injuries every year and about 33% of these were from rear-end accidents.

This information is provided by Seattle Car Accident Lawyer blog, a service of The Farber Law Group. We represent people who suffered serious injuries due to car accidents including whiplash. With our help, you may recover compensation for your damages.

Case Citation: Sink v. Deratany, No. 05-2010-CA-010370 (Fla., Brevard Co. Cir. Apr. 13, 2011).

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The Insurance Institute for Highway Safety (IIHS) reports that 33,808 people died in motor vehicle accidents in 2009.

The IIHS just published car accident data for the year 2009. The statistics are from data collected by the US Department of Transportation’s Fatality Analysis Reporting System (FARS).

The following information was gleaned from the report:

Alcohol Related motor vehicle accident fatalities
– A driver’s Blood Alcohol (BAC) increases the probability of a fatal accident. While 0.08% is the legal limit for intoxication in Washington state, the probability of a fatal accident rises significantly after 0.05%.

Bicycle accident fatalities – 630 bicyclists were killed in accidents with motor vehicles in 2009 which is a decline by 37% since 1975. Every year, more male bicyclists are killed than female.

Child Fatalities – In 2009, 1,062 children died in motor vehicle accidents. This was a 1% increase over the previous year but a 71% decline since 1975. Child safety seat laws, vehicle air bags, and placing children under the age of 12 in the back seat, have all been factors in reducing the death rate.seattle car accident attorney

Fixed object accidents –
In 2009, 7,800 people were killed in motor vehicle accidents which involved hitting a fixed object. About 20% of fatal car accidents occur when a driver loses control of the vehicle and hits a fixed object like a tree, traffic barrier or utility pole. Alcohol is often a factor in these types of accidents.

Motorcycle accidents – In 2009, 4,281 motorcyclists died in accidents. Fatal motorcycle accidents started declining in the early 1980s but starting in 1998, they increased through 2008. Last year, motorcycle accident fatalities decreased by 16% but accounted for 13% of all motor vehicle crash deaths. Head injuries are the leading of death in motorcycle accidents so helmet use is essential.

Pedestrian accidents – 4,409 pedestrians were killed in motor vehicle accidents in 2009. Pedestrian accident deaths account for 12 percent of motor vehicle accident deaths. People ages 70 and over are the highest at risk.

Teenage motor vehicle accidents – 3,466 teenagers between the ages of 13-19 were killed in motor vehicle accidents in 2009. While car accident deaths have decreased every year since 1975, teenagers are four times as likely to die in a car accident based on miles driven than older drives. Most at risk are teenage boys; 2 out of 3 of every teenagers to die in a car accident is male.

Insurance Institute for Highway Safety
Highway Loss Data Institute Fatality Facts

This information is provided by Seattle Car Accident Lawyer blog, a service of The Farber Law Group. We represent people who have been seriously injured in car accidents due to the negligence of another driver and the family of those killed.

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