Getting the Most Out of All Available Insurance Coverage
It happens every day. Someone gets hurt in a clear-cut case of negligence, obtains a timely diagnosis and effective medical treatment, then spends months in a run-around with multiple insurance companies in the effort to collect what should be clearly defined benefits for various losses and expenses.
Too often, an insurer with clear liability for a particular accident loss will try to transfer the cost to another insurer. This can result in delayed reimbursement and the ultimate reduction of the overall value of your claims. To work with personal injury attorneys who understand how to protect accident victims from problems with multiple insurance carriers, contact J. Michael Koch & Associates, P.S., Inc., in Silverdale, Washington.
Call 888-447-6271 for a Lawyer's Advice About Insurance Practices
Even a relatively simple accident case involving a single victim and a single defendant can generate several battles with different insurance companies. You not only need to convince the other driver's insurer of its liability, you might also need to pursue your own auto insurer for underinsured motorist benefits under your UM/UIM coverage. The threat of a bad faith claim against an unwilling insurer might even be necessary.
At the same time, your health insurance carrier and your auto insurer might argue over initial responsibility for medical expenses. Although it shouldn't do so, your health insurer might seek reimbursement for treatment under your car insurance personal injury protection (PIP) benefits. It also might want to transfer medical expenses to the other driver's insurer.
The net effect of these insurance tactics is to shrink the available coverage for your losses. In a severe or complex injury case, you'll need all the coverage you can find to support an extended period of disability and time away from work.
With more than 25 years of insurance litigation experience under Washington law, Mike Koch knows how to make different insurance policies work together to maximize the compensation you'll need to achieve to cover extensive accident losses. He can also help you avoid mistakes under your UM/UIM, PIP or health insurance coverage so that you don't waive important rights. The advice of an experienced attorney can go a long way towards protecting your interests when insurance companies resist payment on valid claims.
Our goal is to prevent insurers from seeking reimbursement from one another whenever possible. That way, you'll be able to tap into the available coverage without worrying that a different insurer might reach into it first.
Serving Clients in Bremerton, Kitsap and the Puget Sound Region
For comprehensive advice about the best ways to maximize the benefit of multiple policies available to cover different losses associated with a personal injury claim, contact J. Michael Koch & Associates in Silverdale for a free consultation.
