One of the most tragic issues we face at Anderson Law is seeking recovery for serious injury or death of an individual who was either uninsured or didn’t have enough insurance coverage. Often, this is the case with people who don’t drive. Sometimes these people are injured as passengers in a relative’s car. In other recent cases in Kennewick, they have been injured as pedestrians.
Even though pedestrians and passengers are generally covered by at least $25,000 in liability coverage and $10,000 personal injury protection (or medical payment coverage) of the at-fault driver, one insurance policy is frequently insufficient to pay for all medical bills and personal injury. And since personal injury protection isn’t required by state law, drivers often waive full coverage, leaving pedestrians and passengers less protected.
If you or a loved one doesn’t regularly drive a car, you may want to consider purchasing broad form insurance, or insurance on your license. Broad form insurance doesn’t cover damage one’s car, so it’s not usually recommended for car owners. However, it is the least expensive kind of insurance available in Washington State and could make a big difference for those who don’t own a car.