Being involved in a car crash is traumatic. But when the at-fault driver flees the scene or doesn't have insurance, that trauma is amplified. You're left not only dealing with the pain of your injuries but also wondering how you'll pay the bills. At Bishop Legal, we've helped countless hit-and-run victims in Washington get the compensation they deserve, especially when the other driver can't be held accountable directly.

This is where Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage becomes essential.

What Is UM/UIM Coverage?

Uninsured Motorist (UM) coverage protects you when the at-fault driver has no insurance. Underinsured Motorist (UIM) coverage applies when the other driver has insurance, but it is not enough to cover your damages fully. UM coverage typically applies in hit-and-run cases because the fleeing driver is treated as "uninsured" under Washington law.

While Washington drivers are not required to purchase UM/UIM coverage, insurance companies must offer it, and we strongly recommend you carry it. If you've been injured in a hit-and-run or by someone with insufficient coverage, your UM/UIM policy can be your financial safety net.

Why Hit-and-Run Victims Face Unique Challenges

After a hit-and-run accident, many victims feel like they've hit a dead end. Pursuing a traditional claim can feel impossible without the other driver's identity. But that's precisely when an experienced personal injury law firm like Bishop Legal steps in.

Insurance companies often try to downplay or deny UM/UIM claims. Even though you're dealing with your own insurance provider, it's important to remember that their goal is to minimize payouts, not maximize your recovery. We've seen many cases where insurers stall or offer lowball settlements, especially if the injured person doesn't have legal representation.

At Bishop Legal, we know insurers' tactics, and we don't let them get away with it.

How We Help Maximize Your Recovery

We believe in aggressive, client-focused representation—because hit-and-run victims deserve justice, too.

Here's how we help:

• Thorough Investigation: Even if the driver fled the scene, we work with accident reconstruction experts, review surveillance footage, talk to witnesses, and pull every available thread to build a strong case.
• UM/UIM Policy Review: We conduct a detailed analysis of your auto insurance policy. Many people don't realize the full extent of coverage available to them.
• Claim Preparation: We gather the medical records, accident reports, lost wage documentation, and expert opinions needed to present a solid, evidence-based claim to your insurer.
• Negotiation and Litigation: We fight back when insurers fail to act in good faith. Whether through tough negotiation or filing a lawsuit, we pursue the maximum compensation available to you.

Real Recovery for Real People

At Bishop Legal, our track record speaks for itself. We've helped numerous clients in the Seattle and greater Puget Sound area recover compensation after traumatic accidents—including many where the at-fault driver was never found.

Our goal is simple: help good people through difficult times. We know what you're going through, and we take pride in providing personalized attention and relentless advocacy from start to finish.

Your Peace of Mind Starts with a Click or Call

The aftermath of a hit-and-run can feel overwhelming. Medical bills, lost wages, and emotional distress pile up quickly. But you don't have to face it alone. Our attorneys are here to listen, explain your rights, and guide you every step of the way.

If you or a loved one was injured by an uninsured driver or in a hit-and-run accident, contact Bishop Legal online or by phone (206) 260-3316. We offer free consultations; you pay nothing unless we win your case.

We're not a volume law firm. We take on serious injury cases and give them the time and attention they deserve because that's how you get results. Let us help you get back on track.