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About The Author
Jason Epstein is the founder of Straight Talk Law. For extra free “Straight Talk Law” information, amuse visit the website at where you can array free books on private injury lawyers,[link widoczny dla zalogowanych], Washington auto accidents, auto insurance and other expensive lawful information, offered as a public service by Jason and his law practice in Seattle,[link widoczny dla zalogowanych], Washington.

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In Washington State, a driver must have at least $25,000 per person limit or $50,000 per accident limit for liability coverage in circumstance he or she causes an auto accident.
The straight speak is that with minimum coverage, the most an insurance company will pay to an individual will be $25,000 and the most it will pay for any 1 accident, regardless of the number of people injured, is $50,000. If you have minimum limits, that means that the most your insurance company will ever pay to one person is $25,000 and it will pay not more than $50,[link widoczny dla zalogowanych],000 collectively even if the absolute claims surpass this. These mathematics are ordinarily penetrated with a ‘/’ on your insurance policy. The on instance would look favor 25/50. The first digit is the per person limit, then slash,[link widoczny dla zalogowanych], then the per accident limit. The most common amounts are 25/50, 50/100. 100/300, and 300/500.
In Washington, insurance companies are obligated to attempt additional kinds of coverage. This includes private injury protection (or PIP). This coverage will pay for medical bills, wage loss and other benefits that are caused by an auto occurrence. PIP coverage is “no mistake,” meaning that even now you are at mistake for an accident, you still get your PIP coverage. When you 1st purchase your policy, you can discard PIP coverage yet the rejection must be in writing. Even if you reject PIP, you may be entitled to benefits if the company cannot produce your signed rejection aboard file.
Also, the insurance company must offer uninsured/underinsured motorist coverage (also referred to for UIM/UM). This coverage will compensate you for damages caused by either an uninsured motorist, or an insured driver who does not have enough insurance to compensate you fully.
Like PIP, this coverage can be rejected by a signed waiver. The UIM/UM refusal must also be in book or else the insurance company must invest you with the coverage. The limits of this insurance coverage will be equal to the amount of your responsibility insurance unless you state in manuscript that you want a different amount.
Most human do not kas long asyou must refund whichever assurance corporation (PIP,[link widoczny dla zalogowanych], Health Ins., L&I) namely paid any benefits for you out of any money you obtain by settlement. This manner that if your health insurance paid as your physician visits, you must reimburse them. If your PIP insurance paid as therapeutic bills and alternatively compensation detriment, you must give them some money behind, too. It’s cried “subrogation” and it’s a right the insurance company has written into its contract. It is the statute, and unfortunately, we do no have a alternative. If you don’t reimburse them, they can sue you for the money, take your house, your wife and your dog. They often will document a “lien” against the settlement. However, the good newspaper namely namely there are rules almost when and how many they can take. Usually, you don’t have to disburse them behind the full value they paid, and sometimes you don’t have to pay them behind at all. It takes one seasoned solicitor to understand how to deal these demands and protect your money.