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Insurance companies have dedicated many years and resources on working within the legal system to essentially make it harder for people to get money for their claims. This has resulted in lots of red tape and loopholes that give them the edge against someone filing a claim without a lot of legal know-how. Here's one rule that you might not be aware of that could prevent you from receiving a dime on your claim, and a reason to hire a lawyer to guide you through this piece of red tape and much more of it. Click to read about the Hamilton Rule and its influence on uninsured and underinsured motorist claims.

A little-know rule called the Hamilton Rule factors into uninsured/underinsured motorist policies. Though very seldom used, it gives insurance companies the right to sue an at-fault driver before the victim would file a claim to recoup their losses. If you don't take this step in the right order, your insurance company deny your claim and pay you nothing. Click to watch this video by Bill Coats Law on taking this necessary step in the claims process.

States like Washington require insurance companies to include uninsured/underinsured motorist protection to all policy holders unless they specifically opt-out of this coverage. This might come in handy if you've been hit in a car accident by someone who has no insurance or not enough, and you've had to take time off work - or can never work again. Click to learn more about your options for covering wage loss if the driver who hit you has no insurance.

It's called uninsured/underinsured motorist protection, and all policies in Washington state are by law supposed to include it unless the policy holder specifically opts out. If your injuries and losses are more expensive than the at-fault driver's policy can cover, it's a critical part of your financial recovery after a car accident. Click to learn more.