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A friend was driving with a young driver with a permit and no insurance, can the friend be sued?
An interesting attempt by the insurance company to get some of their funds back. My thought is that your friend is being sought after since potentially she’s responsible for the collision, since the crash occurred under her watch as she was the…
Published Friday, April 22, 2011

False Assumption - 9. My neighbor settled her own claim
My neighbor settled her own claim and obtained a good settlement. Many individuals think that perhaps a friend or relative can assist in the settlement of their personal injury claim. Maybe your loved one believes they successfully settled a claim…
Published Tuesday, July 24, 2007

What is Bad Faith?
You have asked “what is bad faith” when a jury rendered a verdict in excess of your limits when your insurance company offered less than your limits and was turned down. This is an example of what I would consider a potential bad faith claim…
Published Wednesday, April 20, 2011

Washington Jury Instruction: Insurance Fair Conduct Act
Washington Jury Instruction on Insurance Fair Conduct Act Washington Pattern Instruction 320.06.01 states as follows: “Plaintiff claims that (name of insurer) has violated the Washington Insurance Fair Conduct Act (IFCA). To prove this claim, the…
Published Tuesday, February 28, 2017

Loss of Use after a Collision
A client recently asked me a question regarding loss of use of his vehicle. His vehicle was damaged in a collision and the other side delayed making an offer for the use of a rental car for approximately one week. The insurance company is now offering a…
Published Friday, February 04, 2011

A UIM Insurance Carrier Receives Full Credit for Underlying Insurance Limits
A UIM claimant must be aware when settling their liability claim for less than the full policy limits, the UIM carrier obtains a set-off and is allowed to deduct the underinsured’s full policy limits from the claimant’s underinsured motorist benefits…
Published Monday, January 15, 2018

Vehicles Principally Garaged definition
Some cases have articulated this to mean what was the parties intention regarding the actual location of the vehicle in the state. If the insured intends to keep the vehicle in another state during the policy period, and does keep the vehicle in another…
Published Tuesday, June 28, 2011

Choosing the Right Insurance Company and Coverages
A friend of mine recently asked if she could lower her insurance coverage. Here are some of my thoughts: Not all Insurance Companies are Equal First, not all insurance companies are equal. Some handle their claims better than others. And a first party…
Published Friday, April 03, 2015

How do I handle a personal injury claim when liability is clear?
You should connect with Harper Law as soon as possible. If the collision is clearly the other person’s fault, there should be no question of liability. The question will be you have enough auto insurance to cover the loss through your PIP –…
Published Wednesday, April 27, 2011

Mediation and Conflict Resolution
Mediation is, “The act or process of mediating; especially intervention between conflicting parties to promote reconciliation, settlement, or compromise (Merriam-Webster.com). Conflict resolution is a skill everyone should have. The ability to reconcile…
Published Monday, December 04, 2017

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