Spokane Uninsured & Underinsured Motorist Accident Lawyer
Spokane Uninsured & Underinsured Motorist Accident Lawyer
A serious car accident can disrupt your life in an instant. The pain, confusion, and financial uncertainty that follow are only made worse when the at-fault driver has little or no insurance. Many Spokane residents find themselves struggling to cover medical bills, vehicle repairs, and lost income after being hit by an uninsured or underinsured driver.
At Brumley Law Firm, we understand the stress these situations create. Our Spokane personal injury lawyers are here to help you navigate Washington law, work with your insurance company, and pursue the full and fair compensation you deserve. Whether you’re facing rising medical expenses or long-term rehabilitation, our legal team is ready to stand by your side and guide you through every step of your uninsured or underinsured motorist claim.
Why Hire Brumley Law Firm for Your Uninsured & Underinsured Motorist Accident Case in Spokane?
Choosing the right law firm after a crash is crucial. Uninsured and underinsured motorist cases often involve complex insurance coverage questions and stubborn adjusters who may not act in your best interest.
Brumley Law Firm offers a distinct advantage: founding attorney Joshua Brumley is a former insurance attorney, giving our team inside knowledge of how insurers evaluate, delay, and sometimes deny valid claims. We use that insight to advocate effectively for our clients and pursue just compensation.
Our Spokane personal injury lawyers have extensive experience handling personal injury cases throughout Eastern Washington. We have helped car accident victims recover compensation for severe injuries, property damage, and emotional distress. Our approach is grounded in thorough investigation, open communication, and a strong commitment to our clients.
When you hire Brumley Law Firm, you can expect:
- Experienced attorneys who understand both sides of personal injury law.
- Transparent communication throughout your case.
- A proven record of successful settlements and verdicts.
We work on a contingency fee basis, you won’t pay attorney fees unless we recover compensation for you. Your recovery is important to us, and we’re committed to advocating on your behalf.
Client Testimonials
Our firm’s reputation is built on results and relationships. Here’s what past clients have said about their experiences with Brumley Law Firm:
“After my accident, my insurance wouldn’t cooperate. Brumley Law Firm handled everything, explained my options clearly, and helped me recover what I was owed. They truly care about their clients.”
— K.R., Spokane, WA“Joshua and his team kept me informed every step of the way. They fought hard with the insurance company and made sure I wasn’t taken advantage of. I can’t thank them enough.”
— M.T., Spokane Valley, WA
How a Spokane Uninsured & Underinsured Motorist Accident Attorney Can Help You
An experienced Spokane car accident attorney can be the difference between an undervalued claim and a fair settlement. Our legal team provides comprehensive support for car accident victims from the first consultation to the final resolution.
1. Case Evaluation
We begin by reviewing every detail of your accident, including police reports, witness statements, and your auto insurance policy. Our accident lawyers identify all available coverage, including personal injury protection (PIP), uninsured motorist (UM), and underinsured motorist (UIM) benefits.
2. Insurance Coverage Analysis
Many clients are unsure what their own insurance covers until it’s too late. Our attorneys explain your policy in clear terms so you understand exactly how your auto insurance policy applies.
3. Negotiations with Insurance Companies
Our legal team communicates directly with your insurer and any other parties involved. We understand the tactics adjusters use to reduce payouts, and we push back using medical evidence, expert opinions, and proof of your financial losses.
4. Litigation and Trial Representation
If negotiations do not result in a fair settlement, our skilled attorneys are prepared to file a personal injury lawsuit. We work closely with medical and financial experts, accident reconstruction experts, and other specialists to present strong evidence in court.
Brumley Law Firm handles the legal process so you can focus on recovery and rebuilding your life.
Common Types of Uninsured & Underinsured Motorist Accident Cases
Spokane’s busy roadways, from Interstate 90 to Division Street and the Spokane Valley Connector, are often the sites of serious car accidents. When an at-fault driver lacks sufficient insurance coverage, the financial fallout can be devastating.
Our law firm handles a wide range of uninsured and underinsured motorist cases, including:
- Hit-and-run accidents where the at-fault driver flees the scene.
- Collisions involving uninsured drivers with no active insurance policy.
- Crashes caused by underinsured drivers whose coverage limits do not cover the full extent of your losses.
- Serious car accidents leading to catastrophic injuries or permanent disability.
- Single-vehicle accidents caused by another’s negligence, such as debris or road hazards.
- Fatal accidents resulting in wrongful death claims for surviving family members.
No matter how complex your car accident case is, our Spokane personal injury lawyers can help identify every potential avenue for recovery under Washington law.
Statistics on Uninsured Drivers and Spokane Auto Accidents
According to the Insurance Research Council, roughly one in five Washington drivers are uninsured, ranking the state among the top ten for uninsured motorists. Local data from the Washington State Department of Transportation (WSDOT) shows that Spokane County consistently records thousands of traffic collisions each year, including many where the at-fault driver is uninsured or flees the scene.
Additionally, the Washington Traffic Safety Commission (WTSC) reports that distracted driving and impaired driving continue to be leading contributors to serious car accident injuries and fatalities across Eastern Washington.
These statistics highlight why uninsured and underinsured motorist coverage — and qualified legal representation — are essential for Spokane drivers seeking to protect themselves and their families.
Compensation You Can Obtain in an Uninsured & Underinsured Motorist Accident Case
When you’re hit by an uninsured or underinsured driver, your losses can be significant. A Spokane uninsured underinsured motorist accident lawyer can help you pursue compensation for:
- Medical bills and medical expenses (emergency care, surgeries, rehabilitation, and physical therapy).
- Lost wages and reduced future earning capacity.
- Property damage to your vehicle or personal belongings.
- Pain, suffering, and emotional distress.
- Permanent disability or disfigurement.
- Wrongful death damages including funeral costs and loss of companionship when a family member is killed in a fatal accident.
Our legal team works closely with medical and financial experts to ensure that all future medical costs and long-term care needs are accurately calculated before settlement. We work hard to ensure any offer fully reflects the scope of your damages before recommending a settlement.
What Is the Process for Filing an Uninsured & Underinsured Motorist Accident Claim?
Navigating an uninsured or underinsured motorist claim can be confusing without legal guidance. Here’s how the process typically unfolds:
- Seek Medical Attention
Always prioritize your health. Even minor car accident injuries can develop into chronic pain or require ongoing medical treatment. - Report the Accident
Contact law enforcement so an official police report is filed. This documentation becomes vital evidence when proving negligence and fault. - Notify Your Insurance Company
Promptly inform your insurer about the crash, but be cautious about what you say. Your own insurance company may try to limit payouts, even under your UM or UIM policy. - Gather Evidence
Collect photos, witness statements, repair estimates, and medical records. Our legal team assists in compiling and presenting this evidence effectively. - File a Personal Injury Claim
Once liability and damages are established, we negotiate with insurers to secure compensation for your medical costs, lost wages, and pain and suffering. - Litigation (if needed)
If negotiations fail, we file a personal injury lawsuit and present your case in court before a judge or jury.
Throughout every stage, our attorneys handle the legal details while keeping you informed and empowered.
Statute of Limitations in a Spokane Uninsured & Underinsured Motorist Accident Claim
Under Washington State law, you generally have three years from the date of the auto accident to file a personal injury claim, including uninsured or underinsured motorist claims. Missing this deadline can prevent you from recovering compensation.
However, some exceptions exist — for example, in hit-and-run accidents where the at-fault driver’s identity is unknown, or in cases where injuries take time to manifest. A skilled attorney can help determine your valid claim window and ensure all filings comply with state deadlines.
Elements of Negligence in an Uninsured & Underinsured Motorist Accident Claim
To succeed in a personal injury lawsuit, you must prove that another party’s negligence caused your injuries. This typically involves establishing:
- Duty of Care — The at-fault driver had a legal obligation to operate their vehicle safely.
- Breach of Duty — They failed to uphold that duty through reckless or negligent actions.
- Causation — Their conduct directly caused your injuries or damages.
- Damages — You suffered quantifiable losses, such as medical bills, lost wages, or pain and suffering.
Our attorneys use evidence such as police reports, accident reconstruction expert analysis, and witness statements to build a strong case and prove these elements in court.
Washington State’s Comparative Fault Laws
Washington follows a pure comparative negligence system, meaning even if you are partially at fault for an accident, you may still recover compensation. Your recovery is reduced by your percentage of fault. For instance, if you were found 20% responsible for a car accident, you could still recover 80% of your damages.
Because insurance companies often attempt to exaggerate a claimant’s fault to lower payouts, having an experienced attorney advocate for you is essential to ensure a fair settlement.
Why Uninsured & Underinsured Motorist Coverage Matters
Despite Washington law requiring drivers to carry liability insurance, many do not. The Office of the Insurance Commissioner of Washington State stresses the importance of adding uninsured and underinsured motorist coverage to your auto policy.
This coverage protects you when an at-fault driver has no insurance, insufficient coverage, or flees after a collision. It can also apply in pedestrian accidents, hit-and-runs, or crashes involving distracted driving.
Our attorneys recommend regularly reviewing your auto insurance policy to ensure adequate protection in case of serious injuries or property damage.
Contact a Spokane Uninsured & Underinsured Motorist Accident Lawyer Today
If you’ve been hurt in a car accident caused by an uninsured or underinsured driver, don’t navigate the legal system alone. The experienced attorneys at Brumley Law Firm are ready to provide the legal representation you need to pursue maximum compensation.
We handle all personal injury cases on a contingency fee basis, meaning you pay nothing unless we secure compensation for you. From initial consultation to final settlement or verdict, our team is committed to helping you move forward with confidence and peace of mind.
Contact us today at (833) 740-2275 for a free legal consultation. Let our dedicated legal team help you understand your options, file a strong car accident claim, and work toward the fair compensation you deserve under Washington law.