It’s frustrating to learn the driver who hit you doesn’t carry insurance — or not enough to cover your medical bills, lost wages, and pain. But you may still be able to recover compensation through your own uninsured/underinsured motorist (UM/UIM) coverage.
At Kobes Legal PLLC, we help clients navigate this complex insurance process. Whether you’re facing a hit-and-run, low coverage, or complete lack of insurance, we fight to get you the benefits you’re owed.
Underinsured Motorist (UIM) coverage helps you recover damages when the at-fault driver’s insurance isn’t enough. Uninsured Motorist (UM) applies when the driver has no insurance at all or flees the scene.
Uninsured Driver Accidents
If the other driver has no insurance, you may be able to file a claim under your UM policy for your medical expenses and other damages.
Not Enough Coverage
When the at-fault driver’s liability limits are too low to cover your full losses, UIM coverage bridges the gap — if handled properly.
Hit-and-Run Incidents
If you were struck and the driver fled, you may still be covered under UM benefits — even if the driver is never identified.
Stacked Policies
Some states allow “stacking” of multiple auto policies to increase total coverage available in UIM cases. We’ll explore every option to maximize your recovery.
Delayed or Denied Claims
UM/UIM claims are often delayed or denied by your own insurer. We step in, build your case, and fight for what you deserve.
Bad Faith Insurance Practices
If your insurer acts unfairly — delays payment, lowballs you, or ignores your claim — we hold them accountable.
You may have a valid claim if:
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The at-fault driver had no insurance or inadequate coverage;
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You were the victim of a hit-and-run;
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You have UM/UIM coverage on your auto insurance policy; and
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The crash caused medical bills, lost income, or long-term disability.
We can review your insurance documents and accident report at no cost.
- Rear-ended by an uninsured driver with no license;
- Hit-and-run in a parking lot with no witnesses;
- At-fault driver only has state minimum coverage;
- Passenger injured in crash, host vehicle underinsured; and
- UM policy denied for minor paperwork issue — we fought back
Contact a Underinsured Motorists Attorney Near You
- Review of all applicable insurance policies;
- Gathering police reports and witness statements;
- Medical bills, records, and long-term treatment costs;
- Demand letters and negotiations with your insurer; and
- If needed: filing suit for breach of contract or bad faith.
Free Initial Consultation
Tell us about your case and our attorneys will contact you promptly
No Fees Unless We Win
We handle cases on a contingency-fee basis, meaning costs come out of your recovery, not your pocket.
Insurance Dispute Experience
We’ve dealt with insurers that delay, deny, or devalue valid UM/UIM claims.
We Know the Fine Print
We analyze coverage terms, exclusions, and stacked policies to get the most out of your benefits.
Personalized Case Strategy
No cookie-cutter approach — we build a path that fits your policy and your needs.
Only Pay If We Win
We take cases on a contingency basis.
Brett Kobes is a trusted trial attorney with a background in military leadership and legal advocacy. At Kobes Legal PLLC, he leads a dedicated team committed to helping families who have lost a loved one due to negligence. With a foundation in compassion and strategic litigation, the firm serves clients across Washington, Arizona, and Florida.
Whether in court or through settlement, Brett’s mission is clear: to help you find closure, justice, and peace of mind after unthinkable loss.
We proudly serve clients across Washington, Arizona, and Florida — offering big-firm experience with small-firm care.
Tell us about your case and our attorneys will contact you promptly
Locations We Serve
- Seattle
- North Bend
- Issaquah
- Kirkland
- Bellevue