No one knows. It used to simply mean you had property damage coverage to cover your car in case you are in an accident. I think a lot of people say they have “full coverage” and think this means they have all the coverages available to them and basically “good insurance.” When people tell me they have full coverage, it means nothing to me because I don’t think it has any specific meaning these days. So, I ask for the declarations page that shows specifically what coverages they have or don’t. And in Washington, where UIM and PIP are waivable, I’ve seen many a person’s policy with “full coverage” who have waived vital coverages. So let’s all stop using the phrase “full coverage” and instead be sure to know specifically what coverages you have!! Call a PI lawyer or your insurance agent or broker, have your declarations page handy. Consults are always free. I’m happy to review your policy with you and explain your coverages, and more importantly, what you may need and opted out of!
Whose Insurance Covers Your Teen Driver When You’re Co-Parenting in Washington?
I'm a personal injury lawyer here in Vancouver, WA, and I'm also a divorced mom whose oldest son just turned 16. Figuring out teen driver insurance is expensive and confusing. It's one of those things [...]
Why Vancouver, WA needs a Woman Owned Personal Injury Law Firm
I think people should have options when it comes to the professionals they choose to work with, and I know a lot of people prefer to work with a woman. However almost, if not all, [...]
How Much Is My Personal Injury Case Worth? A Vancouver, WA Lawyer Explains
It's the question I get asked the most, and honestly, it's the hardest one to answer. The truth? There is no fixed number. Your personal injury case value is exactly what you settle for, or [...]
A Website Told Me My Case Value
Short answer, those websites are largely junk. You need to talk to a lawyer and likely retain one to have a better idea of "case value." 1) Cases don't have intrinsic value for one thing. [...]
Umbrella Coverage
What is an umbrella? Simply, an umbrella policy is something you can purchase through your insurance company that providers extra coverage beyond your normal limits, usually as a backup for homeowner's insurance, auto insurance and [...]
Black Box Data
You've heard of black box data.... probably in reference to airplane crashes, but did you know most vehicles also have a black box on board? This data can be extremely valuable. And fleeting. No pun [...]