Taking a road trip to another state is exciting, invigorating, and refreshing. It’s nice to see sights that have never been seen before or visit family that you haven’t caught up with in a while. While it is fun to plan for a road trip, one thing we don’t always account for is what steps should be taken in the event we engage in an accident in that state. Our Bellevue, Washington accident lawyers understand that as much as we try and avoid these incidents, they sometimes occur placing a damper on our vacations.
Should you engage in an out-of-state accident, the rules that apply to how your accident claim is handled may vary slightly or significantly from the state in which you live in. With Bellevue being one of the largest cities in the state of Washington, we are going to focus on some things to keep in mind in the event you were visiting this city and engaged in an auto accident.
How does fault affect an accident claim amount in Bellevue, Washington?
The first thing you need to be mindful of is what state laws Washington follows in terms of who is responsible for paying for an accident they were involved in. Because Washington does follow at-fault insurance laws, this means that if someone was responsible for causing an accident, whether they were driving while distracted or speeding, their insurance carrier is expected to pick up the costs associated with the medical bills accrued for treatments rendered to those who were injured as well as the costs for their vehicle to be repaired.
Now, if you were partially at-fault for causing the accident, in other words, you contributed to causing the crash, under state law RCW 4.22.005, the percentage of your fault will be reduced from the amount that is expected to be awarded to you. But, because your insurance policy is from another state, you may benefit from speaking with an accident lawyer in Bellevue, WA first before signing any documents or agreeing to any settlement offer.
Regardless of the fact that your accident occurred in another state other than the one you live in, you still have rights as an accident victim and you should still be awarded the compensation that is suitable to cover present and future medical bills as well as funds to have your vehicle restored back to its previous condition.
What are the mandatory insurance requirements for drivers in Bellevue, Washington?
Another factor that you need to consider when dealing with an out-of-state accident claim is what the insurance requirements are in the state in which the accident occurred. For example, in the state of Washington, drivers are required to carry the following minimum requirements when it comes to auto insurance:
The auto insurance policy must have limits of at least:
- $25,000 of bodily injury or death of 1 person in any 1 accident.
- $50,000 of bodily injury or death of any 2 people in any 1 accident.
- $10,000 of injury to or destruction of property of others in any 1 accident.
Our accident lawyers in Bellevue, WA can help you clarify how Washington’s insurance laws apply to your accident and whether the coverage is enough to compensate you and those who may have been traveling with you.