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Raise your UIM coverage for Bodily Injury as well as Property Damage
I recently ran across a case that brought to mind the need to raise your UIM coverage. In the case, a married couple was driving their valuable Mercedes Benz. They were involved in a motor vehicle collision, and the car sustained significant damage. The…
Published Thursday, January 24, 2013

How Can I Reduce my Insurance Rates?
How can I reduce my insurance rates and will the rates go up after an accident? Well it depends. There are several factors that an insurance company will consider when determining what your car insurance rates will be, and whether they will go up, if it…
Published Tuesday, May 09, 2017

False Assumption - 1. Insurance company and insurance company representatives are on your side.
Insurance company and insurance company representatives are on your side. Even if an adjuster seems friendly and works for your own insurance company, they have an agenda to limit claims. Reduction of benefits or reducing the amount of money paid out…
Published Saturday, July 21, 2007

Insurer's Failure to Act in Good Faith - Burden of Proof - Third Party Claim
Insurer’s Failure to Act in Good Faith - Burden of Proof – Third Party Claims Washington Pattern Instruction 320.01.01 states: “the plaintiff has the burden of proving that the insurance company failed to act in good faith in one of the ways…
Published Tuesday, March 21, 2017

Insurance Companies Software Utlized to Lower Settlements
Recently, personal injury claims are being handled today much differently than they had been in the past. With the advent of Colossus, (created by Computer Sciences Corporation - CSC) and other claims handling software, are cost containment tools being…
Published Friday, March 20, 2015

Insurer's Failure to Act in Good Faith- Burden of Proof
Insurer’s Failure to Act in Good Faith - Burden of Proof Washington Pattern Instruction 320.01 states the following: “the plaintiff has the burden of proving each of the following propositions: 1 – That the insurer failed to act in good faith in…
Published Tuesday, March 14, 2017

False Assumption - 3. The property damage estimate is accurate because a professional adjuster looked at my car
The property damage estimate is accurate because a professional adjuster looked at my car. Property damage is the proof of two or more vehicles colliding. Having an accurate recording of the damage to the cars may have a bearing on how seriously the…
Published Saturday, July 21, 2007

Duty to investigate - onus is on the insurance company to do it correclty
Insurance companies have a duty to investigate a crash. They have an obligation to do it quickly and without a detrimental impact on their insured – the person who is covered by the insurance. Thus, when investigating a claim, their sole obligation…
Published Tuesday, November 17, 2009

Washington Public Policy Encourages Broad Insurance Coverage for Injured Persons
In insurance policy disputes, the court will look to insurance policy, to determine if the policy has the proper phrases and blank which allow the insurance company and the insured to understand their rights and responsibilities Before an accident…
Published Thursday, January 04, 2018

Introduction on Bad Faith Insurance
Introduction on Bad Faith Insurance When an insurance company is sued for bad faith, proof is required that the insurance company failed to abide by their obligations towards their insured. Washington has several jury instructions regarding Insurance…
Published Tuesday, March 07, 2017

WSAJ Eagle 2015
Harper Law PLLC
826 6th Street South, Suite 101, Kirkland, WA 98033-6740 US
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Phone: 425.284.3333
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