Legal Question in Insurance Law in Washington

1. Does the state of Washington permit "stacking" of insurance policies? [In other words, in the context of "Underinsurance" , if two policies have identical policy limits (say, for example $50,000) and the claimant already has received a $30,000 "policy limits" settlement from another party (the other driver), can the claimant receive an additional $20,000 from BOTH additional carriers or just $20,000 from the "Primary" carrier?]
2. What is the Statute of Limitations in Washington for commencing an "Underinsurance" claim?
When does the time period begin to run?
3. How does one commence an "Underinsurance" claim in the State of Washington?
4. What form(s) are needed to commence an Underinsurance claim in the State of Washington?

Asked on 2/13/10, 1:01 pm

Ryan Nute Myers & Company, P.L.L.C.

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Most policies contain anti-stacking language. But not always.

The statute of limitations depends on the policy and the state the policy was issued in.

The appropriate procedure for formally pursuing a UIM claim depends on the policy. Some require arbitration. Some require a lawsuit.

There are no forms as such.

Happy to discuss further if you like. Please feel free to call or email. Thanks!

Ryan

Answered on 2/18/10, 1:20 pm

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