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The first thing accident victims need to do when the other driver doesn't have insurance
We take to the roads throughout Bellingham and Whatcom County trusting that other drivers will have insurance. But that’s not always the case. You can well imagine the protocol as it’s supposed to happen after an accident: get medical attention for any injuries, file a police report, and exchange insurance information with other motorists involved. What happens if that last step can’t be followed because the driver has no insurance, or a policy that simply doesn’t cover all of the damages that occurred? So quickly, an already a stressful time just became even more worrisome. Click to learn more on what to do if the driver who hits you has no insurance.
Don’t be Afraid to File Claims against Uninsured Drivers
Bicyclists who are hit by a hit and run driver still have options for financial recovery
A hit and run accident that happens to a bicycle rider is unconscionable. In most accidents between a car and a bike, the bicyclist is the one with the far greater injuries. On a bicycle, you are much more vulnerable to impact than in a car, even at relatively low speeds. If the driver takes off, added to the pain of the injuries is the frustration and anger at that terrible response. Even if the driver who hit you while you were on bicycle is never found, you have options for recovery. Click to learn what they are.
Take this step before you file for uninsured/underinsured motorist protection
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.
[VIDEO] A guide to using your uninsured/underinsured motorist protection
It's a step not everyone will have to take, but using your uninsured/underinsured motorist protection means some fairly complicated fine print can affect your claim. Insurers are skilled at looking for ways to reduce your compensation, as it saves their bottom line. Click here for a video series from Bill Coats Law on what you need to know about using your uninsured/underinsured motorist protection.
Tips on keeping pets safe in cars
Pets - 84% of pet owners travel with their pets in automobiles, which can lead to dangerous distractions. For more statistics on distracted driving, and ways to keep pets safe in cars, click here.
One last step of the claims process may mean a big fat check to your health insurance company - signed by you
It's a shocking title for my video about a fairly common policy that takes many accident victims by surprise. For more information on reimbursement, or subrogation, after an auto accident, click here.
A critical step in the claims process for owners of financed or leased vehicles
Insurance claims adjusters are notoriously adept at negotiating a smaller claim than their insured would like. If you've got a financed or leased vehicle, you may be in for a bigger shock than even the claims adjuster can give you if you lack gap insurance. Here's what you need to know about this coverage.
Tips on buying the right car seat
Every parent in Washington, as well as many other states, will have to decide what car seat to buy. No baby can go home from the hospital without being in one, by law. Bellingham lawyer Bill Coats writes on tips for buying the right car seat to keep your child safe.