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Bankruptcy and Personal Injury are the principal focus of our law firm. We understand most people do not seek the counsel of an attorney unless they are at a crossroads in their life—we take great pride in assisting you during this very important time in your life.

About Our Law Firm

Whether you’re looking for a bankruptcy or personal injury attorney, we’re skilled and have the experience to direct your case to its best possible outcome. You’ll be treated with respect and understanding, without judgment. Exceptional customer service and superior knowledge of the practice areas are what separates us from other attorneys.

Information Center

There are circumstances in life that can absolutely change individuals and families lives forever. The stakes in these cases are incredibly high and often complicated. I've been successful throughout the years in helping clients recover from these types of circumstances. I'm a lawyer who'll guide you, stand up for you, and provide you with the best possible representation that I'm capable of to ensure your case achieves the results that you need and deserve.

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Considering bankruptcy? We can provide you with a wealth of information to help you decide if bankruptcy is right for you.

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Personal Injury

If you were injured and are now facing emotional, financial, and physical hardships, you can count on our firm to work on your behalf.

Personal Injury

7 Types of Insurance Coverage Explained

Insurance is a contract between the insured and the insurance company to provide for financial assistance and “coverage” in the event that certain conditions take place. In exchange for this “coverage,” the insured pays the insurance company a set premium every month, quarter or year that is theoretically considerably less than the anticipated cost to the insured if the condition does take place.

If the insured is unfortunate enough for the triggering condition to take place, then the insurance company is bound by the contract, or “policy,” to either pay the insured or pay the injured party on behalf of the insured for the damages incurred or sustained. Because insurance is a contract, when, why, and how much is paid out is dependent upon what is contractually agreed upon.

There are a number of different types of insurance coverage that may be applicable when an individual suffers an injury depending upon where, when, how, and to whom the injury is suffered. Below is a list of common types of insurance coverage and a general explanation of when they may be applicable.

1) Automobile Insurance

Car insurance is required by law for anyone wanting to legally drive a motor vehicle in the state of Washington. There are different levels of car insurance and policies that cover different things.

Bodily Injury/Liability

Bodily injury liability provides coverage to occupants of your vehicle as well as the other vehicle if you are determined to be at fault. This will often be reflected in a per person and per occurrence limit. For example, if one has a 100,000/300,000 policy limit that means that the insurance company is contractually obligated to pay damages up to 100,000 per individual injured in the accident but not to exceed 300,000 if multiple people are injured. This coverage only covers damages caused to others by the driver of the insured vehicle. It does not cover property damage or injuries to the driver of the vehicle at the time of the accident.


Collision insurance covers damage to your vehicle even if you are at fault for the accident. You pay the deductible, and the insurance company is contractually obligated to pay the remainder of the cost to repair the vehicle. However, if the vehicle is deemed “totaled” the insurance company often has the option of paying you the fair market value for the vehicle at the time of the accident as opposed to repairing the vehicle to the same condition it was in prior to the accident.


Comprehensive insurance includes all three of the previously described types of insurance. You are covered for injuries sustained to yourself and others in the accident if you are at fault and so is your vehicle.


Underinsured insurance coverage is in addition to any comprehensive plan that one may have. It covers you if your damages exceed the policy limits of the at-fault party. For example, if your damages are in excess of $150,000 but the other party only has the minimum insurance required by law, there is another $125,000 in damages that needs to be covered. This is where underinsured insurance coverage kicks in, and your insurance would be required to cover the excess damages up to the amount of your underinsured policy limits.


In the unfortunate event that someone is injured by one of the many uninsured drivers on the road, uninsured coverage is designed to cover those damages. Your uninsured coverage will kick in and cover you up to your policy limits in place of the liability insurance the uninsured driver should have had to cover you. Again, the insurance company is only obligated to pay up to the policy limits if and when appropriate.

Personal Injury Protection (PIP)

PIP is great to have because it broadly covers medical bills and treatments incurred by an auto accident. Personal injury protection covers any person named on the auto policy including all members of the household. It also covers passengers in the car, as well as a pedestrian or cyclist involved in a collision. It can even cover your children if they’re hit by a car or are riding in someone else’s car. If the medical patient has health insurance, then PIP acts as secondary medical insurance coverage. If you’re unsure if you have PIP coverage we recommend you consult with an attorney to have it determined. Usual coverage is $10,000.00, but some policies are for 35,000.00.

2) Health Insurance

Health insurance covers “necessary” and “routine” medical expenses up to a certain amount. While it may cover medical expenses for injuries suffered in an accident, it does not and will not provide coverage for pain and suffering, loss of income, loss of function, “cosmetic procedures” or other related damages that do not fall within the strict definitions of medical care as provided by the policy.

3) Home Owner Insurance

Homeowners insurance is primarily viewed by many to cover the owner of a home in the event that something bad happens to the person’s property within the residence. However, many homeowner insurance policies also have a personal liability clause that covers the homeowner in the event that they are found liable for injuries caused to another person on their property or at other times away from their property. The majority, if not all of these policies have exclusions for intentional acts though. These are the policies that most often compensate victims of dog bites or other injuries such as slip and falls that occur at the residences of other people.

4) Disability Insurance

Disability insurance is designed to compensate an individual in the event that they suffer an injury or medical condition that renders them physically or mentally unable to work. There are a number of different types of disability insurance policies, and the definitions of disability vary greatly from company to company and from policy to policy. This would be the type of insurance that would ordinarily provide a monthly income, albeit on a scaled down level, in the event that an individual suffers a serious and permanently debilitating injury and can no longer work. This may be the most overlooked type of personal coverage insurance that most wish they had after it is too late.

5) Life Insurance

Life insurance provides compensation to the deceased individual’s family or other beneficiaries upon death.

6) Umbrella

These policies ordinarily cover both damages resulting from conditions on property, car accidents or any other damages caused by the insured. Often these policies have larger limits such as $1 Million or 2 Million dollars and will only be permitted if the insured also has higher policy limits on both home and car insurance. We like when defendants have umbrella policies because it provides high coverage limits which are necessary to compensate individuals who have suffered severe injuries.

7) Business

Business insurance works much the same as homeowner insurance, covering the business entity for injuries caused by the negligent acts of the business or employees or agents in addition to other coverage.

We Can Help

Analyzing insurance coverage is extremely important because it provides the primary source of finances to pay for an injured person’s damages. The better the insurance coverage, the more likely a severe injury victim will receive full compensation for their injuries. If you have questions about insurance coverage or need help dealing with an insurance company regarding a personal injury claim, give us a call at (509)921-9500 or submit our no-obligation free consultation form. We’ve been helping injured parties for over 20 years and have the skills necessary to provide you with the advice you need.

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Real concern, real help, and the consultation is free.

JeffSpokane, WA

From the moment Robert Hahn law office took my case, he and his staff guided my family through the mazes and hoops the insurance industry has created. Their personal attention and professional attitude has helped us recover through this difficult time. I recommend Robert Hahn as a personal injury attorney without hesitation.