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Back to School – Seattle School Zone Laws

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Seattle schools start Wednesday September 4, 2019 for grades 1-12 and Monday September 9, 2019 for kindergartners. This is just a reminder that you need to slow down when driving around school zones and around children walking on streets starting next week. For some children, this is the first time they have gone to school and the chaos of all the new children they get to meet and cars picking them up or dropping them off for school may confuse children so drive slow in case one darts out into the street.

We make 20 mph speed limits in school zones so people can safely stop when an unexpected child runs out into the middle of the street because they were chasing a ball, running to their parents, or playing tag. Children in grade school, especially, are learning basic life skills and may not be aware of the true dangers of walking or running around busy school streets.

Seattle has so many school zones that you may miss them if you are driving in an area that you are not familiar with. This could lead to a $234 ticket by camera or by police officer, if you are driving over 20mph while the flashing lights are on or children are present.

According to the Seattle school districts website, School zone cameras and flashing warning signals generally start 40 minutes before a school starts and lasts until about 10 minutes after school is to start. Additionally, the school zone cameras and warning signals start 10 minutes before school gets out and ends 30 minutes after school ends.

For the 2019-2020 school year, grades 1-5 start at 7:55am and go until 2:25pm. However, on Wednesdays, schools have early releases at 1:10. This means that school zone cameras will probably be in force from 7:15am to 8:05 am for the morning and between 2:15pm to 2:55pm after school, most days. However, 20 mph flashing signals will most likely be flashing indicating you must slow down during these times as well.

Most Seattle middle schools and high schools will go from 8:55am-3:45pm and getting out at 2:30 on early dismissal Wednesdays. This means that school zone cameras will probably be in force from 8:05am to 9:05am for the morning and between 3:35pm to 4:15pm after school, most days. For a complete list of school schedules, check out the Seattle school districts site here.

No one wants to see their child or anyone else’s child hit by a car. There is no more of a horrific scene than to see your young, innocent loved one struck by a car. Car accidents are devastating events that are easily preventable with care and attention for those around you. Drive safely and anticipate others. Drive slow in school zones for your children and other children’s safety and well being.

Andrew CherinBack to School – Seattle School Zone Laws
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What to do following a car accident injury? Common Questions

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If you are injured in a car accident, there are a few things you may not know that you have to do in order to protect your case.

Immediately after the car accident you should try to get witness contact information. Any cars that you see around you after a car accident, you should flag them down and try to get their name and phone number in case the other person tries to lie about what happened. Witness statements are critical to determining who was at fault for a car accident when it is one person or family saying something and the other person saying something else.

Witness information is better than a police report in most situations where fault is questionable because the police officer didn’t see the car accident happen in most situations so their report is hearsay and for the most part impermissible evidence. However, the police report can be helpful in other ways by collecting information like witness contact information, driver’s license information, and insurance information. Police reports are very helpful to get one if you can.

Additionally, if it is a hit and run situation, your insurance company will require you to file a police report in order for you to get some of your auto insurance benefits such as uninsured motorist insurance (UIM).

After getting information, you may want to call AAA if you have it. AAA provides towing under most plans and they can tow your car to your house, where some independent companies will keep your car in a tow yard. The tow yard will charge you for each day your car is in the tow yard. Because of this, you will want to contact your insurance company and tell them about where your car is and the other insurance company for the at fault driver so that your car is taken out of there and gets paid for without any unnecessary expenses.

Your insurance company may require you to give a recorded statement to them as part of your auto insurance policy following a car accident. You must give them a statement about what happened and your injuries to the best of your knowledge so that you can get PIP benefits and other benefits. However, you do not and should not give a statement to the defendant’s insurance company about your injuries and how the car accident occurred, as they will use it against you.

When you contact your insurance company or the defendant’s about your car in a tow yard, you should also set up a rental car with them while you wait for them to estimate if your car is a total loss or if your car can be repaired. You may want to start car shopping as soon as possible to find a replacement car if your car is totaled. However, you should expect to get what your car Kelly Blue Book’s for, as that is what most insurance companies use to estimate car value. They may also pull a list of similar cars near you for sale and find a price that way.

The defendant’s insurance company will not pay for your medical bills right now and will only pay once you settle with them for your personal injury damages, separate from car repair damages. Because of this, you will have to use your medical insurance and your personal injury protection (PIP) through your auto insurance policy to pay for medical bills while you wait to settle your case.

When you call your auto insurance, you should get a claim number for your personal injury protection insurance (PIP). You can use this claim number to pay for your medical treatment such as chiropractic, physical therapy, massage therapy, acupuncture, etc. Most people have $10,000 in PIP benefits but some have the higher amounts of $20,000 or $35,000.

If you go to the hospital or medical doctor after the car accident, it is best to give these places your medical insurance information first as your medical insurance will have contract rates which will lower the amount you will owe and will not blow through your PIP.

As soon as you physically can, you should call a Seattle car accident injury lawyer for a free consultation on your case. A Seattle car accident injury lawyer will be able to set up all your insurance benefits and make sure you get them all. They will also be able to stop the defendant insurance company from hounding you with pressure to settle for fear of mounting medical bills. Your lawyer will also be able to stop collection actions in most cases and be able to set you up with medical providers who will wait to get paid out of the settlement if you do not have PIP or good medical insurance to pay for your medical bills right now.

Andrew CherinWhat to do following a car accident injury? Common Questions
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UIM Insurance Coverage

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There is one very important type of insurance coverage that all drivers NEED to have and that is Underinsured or Uninsured Motorist Insurance (UIM). UIM is an auto policy insurance that will cover your damages in case you are injured in a Seattle car accident and the other person who causes the car accident either doesn’t have insurance or doesn’t have enough insurance to cover all of your damages.

It is depressing how many people are driving with the bare minimum insurance coverage or no insurance coverage at all in Seattle. Some studies show as much as 50% of people are driving with little or no insurance coverage. If you get hit by someone who has little or no insurance coverage and you do not have UIM insurance, you could be out of luck.

The minimum liability insurance limit in Washington State is $25,000. This is a very small amount of money because it must cover all of your medical bills, lost wages, and pain and suffering.

To get an idea of how fast $25,000 can get eaten up in a car accident injury case, know that most hospital visits that last more than 1 or 2 days can cost over $25,000 alone. If you are seriously injured in a car accident and require a lengthy stay in the hospital, that will easily eat into if not all of the $25,000 possible settlement with the defendant. If you do not have UIM insurance, this could be the most you can get out of the settlement.

Even if you do not need to go to the hospital but instead require a lengthy rehab and miss a lot of work, the $25,000 the other person has in insurance coverage may not be enough to adequately pay for all of your medical bills, cover your lost wages, and provide you with enough pain and suffering to be adequate.

This is not to say that a personal injury lawyer cannot help you if the other person has only $25,000 in insurance coverage. A Seattle car accident injury lawyer may be able to negotiate down your medical bills, reduce the amount your insurance is owed back through subrogation, and actually allow you to get some money in your pocket when it looks like all of the money will be eaten up by insurance and medical bills. If you have PIP insurance or medical insurance coverage, this will help some but not replace UIM.

If you have UIM insurance, great! UIM insurance will step in just like the other person had whatever your UIM policy limits are and whatever insurance coverage, if any, the other driver had. If the person had $25,000 and you have $25,000, you would have $50,000 available for your case settlement. Much better to work with than $25,000 alone.

However, this does not mean that your insurance company will treat you fairly and give you all of this money. They will fight tooth and nails to try to pay you as little as possible for your case, even though they are your own insurance company. This is why you need a Seattle car accident injury lawyer to represent you for your car accident injury case.

UIM insurance is very affordable and can cost as low as $3-4/month for $250,000 in UIM coverage. Meanwhile, collision coverage costs you $25-$30/month depending on your car’s make, model, and year. If you are looking to skimp on insurance coverage cost somewhere and your car is worth less that $5,000, you probably can skip on collision coverage, as your deductible and monthly premium will easily eat up the value of your car quickly.

Make sure that you have UIM insurance so you are not out of luck in case you are injured in a Seattle car accident. Call a Seattle car accident injury lawyer today for a free consultation. (206) 850-6716 or email andrew@cherinlawfirm.com.

Andrew CherinUIM Insurance Coverage
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PIP Insurance and Lost Wages

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If you didn’t have enough reasons already to get personal injury protection (PIP) added to your car insurance, here are some more reason in case you are injured in a Seattle car accident.

PIP is odd because technically it is required to have under Washington State law, but there is a clause that says that you can waive PIP by signing it away in your insurance contract. YOU SHOULD NOT WAIVE PIP.

PIP is incredibly cheap to add to your plan and I definitely recommend that you max it out. PIP comes in benefits of $10,000, $20,000, and $35,000. PIP can cost you as little as $5/month to add to your plan for $10,000 in benefits to as much as $10/month to max it out at $35,000.

PIP covers any medical treatment that you need as a result of a car accident and you do not need a referral to see any of your medical providers, although it is recommended for all specialized care not including chiropractic, physical therapy, or massage therapy.

Additionally, PIP comes with $200 a week in lost wage coverage for a maximum benefit up to your PIP policy amount. However, PIP lost wage coverage only starts paying after a brief few weeks waiting period, which most people return to work after a week off anyways, so you may not see that benefit. However, if you are severely injured, $200/week is better than nothing.

You need PIP because the defendant’s insurance will not pay for any of your medical bills until you settle with them, which could send all of your bills to collections and seriously hurt your credit score. Additionally, if you have a Seattle car accident injury lawyer representing you, your Seattle car accident injury lawyer can negotiate the amount you owe back to PIP out of the settlement in subrogation down by at least 1/3 of the amount PIP paid.

There are a few exceptions to this rule where PIP is actually given to you by the defendant’s insurance company but this only happens where the other driver has PIP and you were riding your bike, crossing the street as a pedestrian, or you were a passenger in their car.

If you do not have PIP or PIP runs out, you can pay for your medical bills with your medical insurance. However, while this is a great benefit to have and can severely lower the amount of your hospital bills, medical insurance plans usually do not include chiropractic or massage therapy coverage, and if they do they are generally capped at a certain limit like 10 visits per year. PIP on the other hand will cover massage, chiropractic, physical therapy, hospital visits, doctor’s appointments, ambulance rides, etc.

If you run out of PIP or your medical insurance plan does not include certain services, a Seattle car accident injury lawyer should be able to make an arrangement with your treating providers to pay them back out of the settlement. This will allow you to continue to receive the treatment that you need and pay nothing out of pocket until you settle your case and your attorney pays them out of the settlement at that time.

If you are injured in a car accident in or around Seattle, please give us a call and we will be happy to walk you through your car accident injury case with a free consultation. (206) 850-6716 or email andrew@cherinlawfirm.com.

Andrew CherinPIP Insurance and Lost Wages
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Whose Insurance Will Pay For Your Medical Bills Following a Car Accident?

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This is one of the most confusing areas of a car accident injury case for a lot of people. People generally believe that because the other person caused the car accident, their insurance will pay for the medical bills immediately. This is not completely accurate.

The defendant’s insurance company will not pay for your medical bills until you settle with them. For some people, this can be seen as a pressure to settle early because they may not believe that they can pay for medical treatment without the defendant’s insurance covering their bills. Because you want to wait until you are fully healed to settle your case, it can be very difficult to not try to settle at this point, but holdfast you have many options.

How then do you pay for your medical bills while you are waiting to settle your case? You have many options to pay for your medical bills while you wait to settle with the defendant’s insurance. You can pay for your medical bills through your own car insurance medical policy called personal injury protection. If you don’t have personal injury protection, you can pay for your medical bills with your medical insurance. If you don’t have medical insurance that covers certain types of treatment or enough medical insurance to cover your bills, you can sign a letter of guarantee with the treatment provider to pay them back out of the settlement.

PIP insurance pays for your medical bills while you wait to settle with the defendant. Most car insurance policies have $10,000 in PIP coverage, which is generally enough to cover a chiropractic treatment, massage therapy, and physical therapy. However, $10,000 may not be enough if you go to the hospital. In that situation, you can use your medical insurance to pay for anything that goes beyond your PIP, including your hospital bills. Some people elect for the high amount of PIP coverage which is $35,000.

PIP coverage is required in Washington State, however, you can waive it by signing it away, which some people do to save money. PIP coverage is not very expensive so you should include it with your policy. Additionally, if your insurance does not maintain a signed waiver of PIP, you may be entitled to the benefits.

Medical insurance generally does not cover car accident injury cases unless you don’t have PIP coverage or your PIP coverage is exhausted. At that point, your medical insurance will be primary and cover all visits according to your insurance coverage.

All medical bills paid by your medical insurance and PIP insurance must be paid back out of the settlement by a process called subrogation. However, subrogation allows for you to have the benefit of lower contract rates with hospital, medical doctors, etc., lowering the amount you have to pay back. In addition to this benefit of lower contracted rates, which are usually 1/4 of the actual bill paid, Washington State law requires that the insurance company pay their pro rata share of attorney’s fee, thus lowering the amount you owe them by at least 1/3 and sometimes more. For this reason, it is vital to have PIP and or medical insurance pay for your medical bills in a personal injury case and will end up putting more money in your pocket in the end.

If you do not have PIP coverage or medical insurance, or you exhaust all your benefits, you are not a loss. You can still avoid paying for medical bills out of pocket before settling your case by having your medical provider agree to be delay being paid right now and get paid out of the settlement down the road. Most chiropractors, physical therapists, and massage therapists will agree to this arrangement so long as you have a personal injury lawyer representing you. They will also require you and your attorney to sign a letter of guarantee that states you direct your attorney to pay them back out of the settlement. This is a huge benefit for people that do not have PIP or medical insurance that covers chiropractic treatment or massage.

In Washington State, there is a 3 year statute of limitations to settle your case. This is more than enough time for most injuries to heal. However, getting the proper treatment to get you back to normal can be a struggle if not properly addressed and consistently addressed.

If you have been injured in a car accident, please contact a Seattle personal injury lawyer today for a free consultation. We are paid out of the settlement so everyone can afford us but you can’t afford not to have us when settling against insurance companies. Most cases do not go to trial and can be settled within 2-3 months of being done with treatment. Call today!

Andrew CherinWhose Insurance Will Pay For Your Medical Bills Following a Car Accident?
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