Bremerton Uninsured & Underinsured Motorist Accident Lawyer
Bremerton Uninsured & Underinsured Motorist Accident Lawyer
If you’ve been injured in a car accident in Bremerton, WA, and the at-fault driver had no insurance or insufficient coverage, you may feel overwhelmed by mounting medical expenses, unanswered questions, and financial uncertainty. When someone else’s negligence causes severe injuries, the emotional, physical, and economic burdens can threaten your recovery and stability.
At Brumley Law Firm, our Bremerton personal injury lawyers understand how life-altering these events can be. We are dedicated to helping car accident victims pursue compensation for their injuries and losses, aiming to alleviate some of the financial stress caused by the accident. With our unwavering support, we strive to be a reliable legal advocate during difficult times.
Why Hire Brumley Law Firm for Your Bremerton Uninsured & Underinsured Motorist Accident Case?
Deep Experience in UM / UIM Claims
Brumley Law Firm focuses on personal injury law, with years of experience handling uninsured and underinsured motorist cases throughout Washington State. Our team is well versed in the legal nuances that often arise when the responsible party lacks adequate insurance.
Insider Insight: Former Insurance Attorney on the Team
One of our greatest assets is Joshua Brumley, a former insurance attorney who now uses that unique perspective on behalf of injured parties. His background gives us a critical edge in anticipating how insurance companies will minimize payouts, and enables us to counter those tactics effectively.
Proven Success & Local Reputation
Over the years, we have secured favorable settlements and verdicts for clients in car accident cases across Washington. Our goal is to pursue full and fair compensation based on the facts and circumstances of each case. We are proud to serve the Bremerton community with skill and compassion.
Client-Focused Communication & Trust
We believe in transparency, frequent updates, and treating every client with respect. From the first free consultation, we aim to build trust by guiding you through the legal process, answering your questions, and offering clear, honest counsel.
Client Testimonials
“Brumley Law Firm guided me through a very difficult time after I was hit by an uninsured driver. Their team handled every detail, from communicating with insurers to gathering evidence, and they handled all aspects of my case and helped me reach a resolution that addressed my needs. I felt heard and truly supported.”
– A Bremerton client“They never treated me like just another file. Joshua’s insurance background allowed the team to respond effectively to insurer settlement offers. I recommend their Bremerton car accident attorney services to anyone facing an underinsured motorist claim.”
– Former client, Bremerton WA
How a Bremerton Uninsured & Underinsured Motorist Accident Attorney Can Help You With a Case
A skilled Bremerton car accident lawyer from Brumley Law Firm handles the legal heavy lifting so you can focus on recovery. Here’s how we assist:
- Case Evaluation & Strategy
We review your insurance policy, police report, medical records, and other evidence to determine your coverage options and best legal path. - Interpreting Your Insurance Coverage
We explain how uninsured motorist (UM), underinsured motorist (UIM), personal injury protection (PIP), and liability coverage may apply in your car accident claim. Many people don’t realize the full scope of their own insurance policy. - Communicating with Insurers
We take over all communications and negotiations, shielding you from pressure tactics by insurance adjusters. - Gathering Evidence & Using Experts
We gather evidence, photos, witness statements, medical opinions, accident reconstruction, and more, to build a strong argument. We also consult expert witnesses when needed. - Litigation & Court Representation
If a fair settlement cannot be reached, we are ready to file a lawsuit and aggressively represent you in court.
Through these steps, we aim to recover compensation that fully accounts for what you’ve lost.
Common Types of Uninsured & Underinsured Motorist Accident Cases
Brumley Law Firm handles a broad range of UM / UIM scenarios, including:
- Rear-end collisions where the at-fault driver has no insurance
- Multi-vehicle pileups where one driver is underinsured
- Hit-and-run or phantom vehicle crashes (where another vehicle causes your accident without contact)
- Motorcycle accidents involving uninsured drivers
- Collisions in adverse weather conditions along Bremerton roads
- Cases where multiple parties share fault or have overlapping liability
- Accidents causing severe injuries, ongoing treatment, or future costs
In each case, we focus on understanding the unique challenges of your situation and pursuing fair compensation.
Localized Statistics: Uninsured & Underinsured Drivers and Crash Trends in Kitsap County and Bremerton
The Insurance Research Council (IRC) estimates that about 15.4 percent of motorists nationwide were uninsured in 2023, meaning roughly one in seven drivers lacked liability coverage. That figure is slightly higher in Washington, where many drivers either carry the minimum coverage or none at all.
According to the Washington Traffic Safety Commission (WTSC), Washington recorded 810 traffic fatalities in 2023, the highest number in 33 years. These deaths marked a 9 percent increase from 2022, and the trend reflects a rise in serious crashes involving impaired or speeding drivers.
The Washington State Department of Transportation (WSDOT) reported that serious injuries from collisions rose from 3,102 in 2022 to 3,413 in 2023, an increase of more than 10 percent statewide. Over the past decade, the number of traffic fatalities in Washington has grown by roughly 75 percent, highlighting the increased risks for all motorists, including those in Kitsap County.
Locally, the Kitsap Sun noted that Kitsap County recorded 22 fatal crashes in 2023, up from 20 the prior year, a 10 percent rise. Alcohol impairment and speeding were listed among the most common contributing factors.
Within Bremerton, crash data compiled by City-Data shows four fatal accidents in 2022, resulting in seven deaths and involving 12 people. Weather conditions such as rain played a role in about 21 percent of reported fatal collisions in the city.
Together, this data illustrates that both statewide and within the Bremerton community, serious and fatal accidents continue to rise. With many drivers lacking adequate insurance, uninsured and underinsured motorist coverage remains a crucial safeguard for anyone injured in a car accident across Kitsap County and beyond.
Compensation You Can Obtain in an Uninsured & Underinsured Motorist Accident Case
If your claim is successful, you may be able to recover compensation for:
- Medical expenses (past, present, and future costs)
- Lost wages or lost income, including diminished earning capacity
- Pain and suffering, emotional distress, and reduced quality of life
- Property damage and vehicle repair costs
- Rehabilitation, therapy, and ongoing treatment
- Wrongful death damages (where applicable)
- Out-of-pocket expenses such as transportation, home care, and modifications
Understanding all possible damages ensures we pursue rightful compensation, not just what’s easiest to prove.
What is the Process for Filing an Uninsured & Underinsured Motorist Accident Claim?
Below is a typical roadmap through a UM / UIM claim, with how Brumley Law Firm supports you at each stage:
| Step | What You Do | How Brumley Law Firm Helps |
|---|---|---|
| 1 | Seek medical attention immediately | We document your physical injuries and ensure you receive proper care |
| 2 | Report the accident to police and your insurer | We guide you in complying with policy deadlines and police report requirements |
| 3 | Collect evidence | We help gather photos, statements, repair estimates, and medical records |
| 4 | Review your insurance policy | We analyze your coverage options and assess whether UM / UIM or PIP applies |
| 5 | File claim(s) with insurer(s) | We file claims timely, carefully avoiding pitfalls or waiver of rights |
| 6 | Negotiate with insurance companies | We push for a fair settlement, countering undervaluation tactics |
| 7 | File suit if needed | When negotiations stall, we file a car accident case in court |
| 8 | Prepare for trial / settlement | We consult expert witnesses, prepare legal briefs, and advocate for you |
| 9 | Collect compensation | We handle disbursement, ensure liens or subrogation are addressed, and deliver your recovery |
Statute of Limitations in a Bremerton Uninsured & Underinsured Motorist Accident Claim
In Washington State, the statute of limitations for most personal injury claims, including those arising from car accidents, is three years from the date of the accident. However, UM / UIM claims may also involve contractual deadlines within your own insurance policy, which sometimes extend up to six years. Acting promptly ensures that your right to seek compensation is preserved.
If the accident involves a government entity, a shorter notice period and additional hurdles may apply. Because exceptions and nuances can complicate these claims, consulting an attorney in Bremerton early helps protect your ability to recover.
Elements of Negligence in an Uninsured & Underinsured Motorist Accident Claim
To prevail in a personal injury or UM / UIM claim, you generally must establish:
- Duty – The at-fault driver owed a duty of care (e.g., to drive safely).
- Breach – That duty was violated through careless or reckless driving.
- Causation – The breach caused the car accident and your physical injuries.
- Damages – You suffered measurable harm: medical bills, lost income, and pain and suffering.
Washington State’s Comparative Fault Laws
Washington follows a pure comparative negligence rule. Even if you share some responsibility for the accident, you can still recover damages, reduced by your percentage of fault. Understanding this principle helps ensure you receive fair compensation despite the complexities of multiple parties or disputed liability.
Contact a Bremerton Uninsured & Underinsured Motorist Accident Lawyer Today
If you or a loved one has been hit by an uninsured driver or an underinsured motorist in Bremerton, don’t face the insurance companies alone. Brumley Law Firm is ready to provide legal support, protect your rights, and help you recover compensation for the injuries and losses you’ve suffered.
We offer free consultations and work on a contingency fee basis, meaning attorney fees are only collected if we recover compensation for you. Case-related costs may still apply.
Contact Brumley Law Firm today at (833) 740-2275 to begin your journey toward justice and recovery.