Understanding The Laws in Washington State Controlling Personal Injury Claims

All states have specific personal injury laws that apply to all legal claims, whether they stem from automobile accidents or premises liability claims. Workplace injuries are typically adjudicated according to workers compensation rules within a state, but sometimes these claims can also eventually find the way to standard court as well.

It is important to understand the rules in a particular state controlling personal injury claims because accidents happen every day and claims always arise in some manner. The state of Washington is no different.

Auto Accident Injury laws

The largest share of personal injury claims in any state is usually connected to an automobile accident. All drivers in Washington are required by law to carry minimum liability insurance of 25/50/15. However, it is estimated that up to 30% of drivers are non-compliant. This means that increasing the level of personal injury insurance on your policy is important and can be done in two methods. One choice can be adding a PIP rider to the policy, which often only amounts to a small premium increase.

Another is carrying an uninsured or under-insured motorist rider in case an accident occurs involving an illegal motorist. This type of coverage is typical in states requiring no-fault settlement of accident claims, but Washington is a “fault” state, meaning that all negligent drivers can be pursued for damages in any accident case. Also, all drivers in an accident scenario are evaluated for comparative fault and assigned a percentage, including injured drivers.

Premises Liability Cases

Premises liability cases are settled by the same rules of fault but normally are connected to accidents resulting in injuries incurred on personal or commercial property. These cases can often include multiple negligent parties, just like car accident cases, and are also controlled by pure comparative negligence. This is the legal doctrine following that all accidents could potentially be the fault of various factors which must be evaluated for contribution to causing the injury. This can also include the injured plaintiff. It is also the component of a personal injury claim that insurance company claims adjusters use to attempt to deny or lessen the value of a personal injury claim.

The focus in premises liability claims is on personal assumption risk regarding the actions of the injured party and whether or not the respondent had a duty of care to that injured claimant. The final determination is similar to auto accident cases, but there is no minimum insurance coverage, and cases tend to be very strongly defended unless they are standard obvious low-level injury cases within available insurance coverage.

Recent Social Security News & Information in 2017

Anyone who may become eligible for Social Security this year should familiarize themselves with the changes and news coming to the system in 2017. First and foremost, there will be a raise in the full retirement age for the program for the first time in decades. People born in 1955 will be turning 62 this year, and they will find that their retirement age has been raised to 66 years old and two months.

This, overall, is a slight change though as the former full retirement age was 66. It has been analyzed that when taking the entire population into consideration, those two months could help save money and keep the system alive. It is also crucial to note that seniors will still be able to claim benefits at the age of 62, but will receive a small financial penalty for doing so.

Click here for information on how to apply for Social Security Disability.

In addition to facing a small financial penalty, individuals who take Social Security retirement early may find that they have to give back some of their benefits if they are working. This is due to maximum earning limits that are set by Social Security before one has to give back money to the government. Specifically, in 2017 those who won’t reach the full retirement age will lose $1 for every $2 they earn above $16,920. But even for those who have to forfeit some of their hard-earned money, there is an upside.

The system is designed in such a way as to compensate for any losses and attempt to even things out. For each month in which an individual has to forfeit some income because of the maximum threshold rule, said individual will be credited as if he or she had taken their benefits a month later than he or she actually did. This makes for larger payments later on to offset the monetary loss in the beginning.