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Washington Insurance Defense Questions & Answers
2 Answers | Asked in Appeals / Appellate Law and Insurance Defense for Washington on
Q: What’s the best way to win my appeal against my auto insurance company for denial to take care of my accident coverage?

My filed a insurance claim on my car for hitting a ditch. My vehicle had previous damage already from a previous claim with my previous insurer my current insurer contacted my previous insurer and obtained photos I sent for that claim and now they are stating that because my odometer hasn’t moved... Read more »

Tim Akpinar
Tim Akpinar
answered on Dec 28, 2020

A Washington attorney could advise best, but you await a response for three weeks. This sounds like a difficult claim, and such situations do arise when going from one insurance carrier to another, and a new claim arises near the start of coverage. If you've been issued a denial, review it if... Read more »

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1 Answer | Asked in Insurance Defense for Washington on
Q: I got pulled over and got a ticked for not having insurance but my insurance card was effective on thesamedateof ticked
Tim Akpinar
Tim Akpinar
answered on Sep 4, 2020

A Washington attorney would be able to advise best, but your question remains open for two weeks. If the card in question resulted in the ticket, it's difficult to say whether it would be adequate in court as a defense without seeing the start and end dates and times of coverage on the face of... Read more »

1 Answer | Asked in Civil Litigation, Insurance Defense and Personal Injury for Washington on
Q: How often does a previous injury affect an auto-injury case? Without offering information about a previous injury.

I have a 5-year-old medical bill in collections from a previous injury that is in close proximation [on my body] (but not exact) to this auto injury I just had. Will this show up somehow and affect a possible case? It was in another state that I don't have a policy in or residency in.

Tyler Young
Tyler Young
answered on Jul 1, 2020

Good question. Your issue is a common one in most personal injury cases. A reputable injury attorney knows how to deal with this.

You are only entitled to make a claim for the injury that was "caused" by the wreck in question. Whether that means a completely new injury or...
Read more »

1 Answer | Asked in Insurance Defense for Washington on
Q: Do I need both general liability and bodily harm insurance for a kids' event?

I am starting a children's event business where children will be invited to participate in events at their local park for 3-4 hours on a weekend day (approximatly once a month). It's like a day camp, but just for one Saturday a month. Potential activities might include: arts&crafts,... Read more »

Tim Akpinar
Tim Akpinar
answered on May 19, 2020

Both types of insurance are important. The scope of coverage would depend on how the policies are written. There are general liability policies that cover bodily injury as a given. In the policies you are exploring, bodily injury coverage appears to be an add-on. These terms are sometimes used... Read more »

1 Answer | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for Washington on
Q: My repair shop told me the law prevents them from accepting cash for my deductible payment. Is this true?
Peter N. Munsing
Peter N. Munsing
answered on Apr 23, 2020

Check with the insurance commissioner. If the wreck wasn't your fault, the other person should be paying.

1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Personal Injury for Washington on
Q: Are there any successful attorneys willing and available to help with a injury claim against Boeing and Sedgewick?

Need someone who can help facilitate the dealings with Sedgewick, who is Boeing's private insurer, because they can't seem to get things right on a case that has been going on for 10+ years. Had 5 foot surgeries 10+ years ago. Finally got fixed with 5th one. About 1-1/2 years ago,... Read more »

Tim Akpinar
Tim Akpinar
answered on Jun 25, 2019

You mention a widely recognized and well-liked workers' comp carrier and working graveyard shift. This looks like a WC case - you've posted in good categories but if you add Workers' Comp to your categories, hopefully one of the WC attorneys could pick up your question if this is... Read more »

1 Answer | Asked in Car Accidents, Civil Litigation, Insurance Bad Faith and Insurance Defense for Washington on
Q: How does an insurance company settle claims when their insured are both parties of an MVA? How do they "sue" themselves?

My friend was involved in a three car collision recently. She was rear-ended by a vehicle which slammed her car into the car ahead of hers. The same insurance company that insures my friend is the same insurance carrier for the individual's vehicle that slammed into her from behind. The... Read more »

Stan Glisson
Stan Glisson
answered on Jul 26, 2018

It's handled by different divisions within the company normally. Happens all the time, but I understand what you are saying; it looks like a clear conflict.

Then of course if her carrier pays some of her medical bills, it can require compensation from the other driver's insurer;...
Read more »

1 Answer | Asked in Health Care Law, Insurance Bad Faith and Insurance Defense for Washington on
Q: Is it legal for an employer to only give 24 hour health insurance paperwork turnaround time? We had no time to look

We had no time to look into our other options. At 24/hr, the premium is $900/month for a family, and it would only cover 50% and the deductible was insanely high. My husband filled it all out because he didn't want us to be without coverage. We searched around and found options for my daughter... Read more »

Christian K. Lassen
Christian K. Lassen
answered on Apr 2, 2018

You can complain to the HR Department

1 Answer | Asked in Car Accidents, Insurance Defense and Personal Injury for Washington on
Q: When calculating a personal injury settlement, are property damages incurred in an accident separated?

What I mean by this, is when using a calculator such as this one

where we assume that medical bills are equal to 3500, property damage is equal to 5000, and lost wages are equal to 60, which we then multiply by 3 as the... Read more »

Peter N. Munsing
Peter N. Munsing
answered on Jun 29, 2017

Forget the formula. That's bogus. If you lost an eye would 3 x the medicals be enough? No way. If you had one ER but went in as trauma and the bill was 19,000 and no follow up after, do you think they'd pay 3x19?

If your crash is serious enough to consider uninsured, you should...
Read more »

1 Answer | Asked in Insurance Defense and Traffic Tickets for Washington on
Q: Is it against the law to be a passenger in an uninsured vehicle? Are there any insurance obligation to a passenger?
Stan Glisson
Stan Glisson
answered on Nov 22, 2016


RCW 46.30.020 "Liability insurance or other financial responsibility required—Violations—Exceptions: says:

"(1)(a) No person may OPERATE a motor vehicle" without mandatory minimum insurance (emphasis added).

No obligation on the passenger.

1 Answer | Asked in Animal / Dog Law, Environmental, Personal Injury and Insurance Defense for Washington on
Q: If wildlife causes an accident are you at fault? Or domesticated animals running into traffic?

I drive rural roads with wildlife from small to big to bigger. Deer often cross the road unannounced. I often have to slam the breaks to avoid a collision. Drivers behind me get pissed and have a near miss. Rural roads = barely patrolled. So drivers go fast and will drive where ever there is... Read more »

Peter N. Munsing
Peter N. Munsing
answered on Jun 28, 2016

You aren't responsible for wild animals--no one is. As far as domesticated animals, the owner of the animal is responsible for them. In the example you gave I don't see why you would be at fault--the other individual collided with the deer, not with you.

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