At Brett McCandlis Brown & Conner, we know how overwhelming a car accident can be. The sudden impact on your health, finances, and ability to care for your family creates stress that feels impossible to manage. When you lose income because you cannot work, the financial pressure only increases.
You have legal options to recover those wages. Our car crash lawyers are here to guide you through every step of that lost wages insurance claim process.
What Counts As Lost Wages from a Car Accident?
Lost wages refer to the money you would have earned if you had been able to work and can include:
- Regular hourly or salary pay,
- Overtime you were scheduled to work,
- Bonuses or commissions you reasonably expected,
- Self-employment or contract income, and
- Sick leave or vacation time you had to use while recovering.
Every part of your work life matters when building a claim. Insurance companies often try to limit compensation to only base pay. However, you are entitled to seek recovery for the full financial impact. That includes the short-term paychecks you missed and the long-term income potential if your injuries affect your career.
The Role of Documentation
Your lost wages insurance claim is only as strong as the records supporting it. Documentation can clearly show how much you should have earned and why you could not work.
Key documents include:
- Medical records confirming your injury and treatment plan;
- A doctor’s statement verifying that you could not work for a specific time period;
- Employer verification of your position, pay rate, and time missed;
- Pay stubs, tax returns, or bank records showing your income before the accident; and
- Business invoices or profit-and-loss statements if you are self-employed.
You should begin gathering these records as soon as possible. Even a short delay can make the process more difficult, especially with employers or medical providers who respond slowly to requests.
How to File a Lost Wages Insurance Claim in Washington
In Washington, you can pursue a lost wages insurance claim through several avenues, depending on your accident and available coverage. These may include:
- Personal Injury Protection (PIP) coverage under your own auto insurance policy;
- The liability insurance of the at-fault driver;
- Uninsured or underinsured motorist coverage if the other driver does not have enough insurance; and
- Workers’ compensation, if the crash occurred while you were on the job.
Each option comes with its own rules, forms, and deadlines. For example, PIP coverage typically pays benefits quickly but may have lower limits, while a liability claim against another driver may take longer but provide greater recovery.
Negotiating with Insurance Companies
Insurance adjusters often aim to minimize the payout on a lost wages insurance claim. They may argue that your injuries were not severe enough or that you should have returned to work sooner. Some will request extensive documentation and then delay responses, hoping you’ll accept less than you deserve.
We have spent decades fighting these tactics. Our experience allows us to present claims in a way that leaves little room for dispute. We communicate with adjusters on your behalf, supply the necessary evidence, and push for fair settlement offers. If an insurance company refuses to act reasonably, we are prepared to take the case to court.
Addressing Long-Term Loss of Income
Not every injury heals quickly. Some conditions create lasting or permanent work restrictions. The law allows you to claim future lost income when your earning capacity is reduced. Your work history, education, career path, and prognosis for your recovery all impact the amount you can receive.
For example, a construction worker with a severe back injury may no longer be able to lift heavy materials. Even if light-duty work is available, the pay may be far less than before. Similarly, a professional with impaired cognitive abilities from a crash may not be able to return to the same field. We work with vocational experts and economists to project the lifetime financial loss, then pursue compensation that reflects the true impact on your future.
Special Considerations for Self-Employed Workers
If you are self-employed, proving lost income can be more complex. Unlike employees with pay stubs, you may need to provide:
- Business tax returns,
- Profit and loss statements,
- Contracts or invoices for work you missed, and
- Bank records showing deposits from clients.
Insurance companies often challenge these records, claiming that self-employment income is uncertain. We know how to counter these arguments by presenting thorough and credible documentation. Your business represents years of hard work, and you deserve full recognition of what the crash cost you.
What Deadlines and Legal Requirements Can Impact Your Claim?
Washington law imposes strict deadlines on personal injury claims. The statute of limitations generally gives you three years from the crash date to file a lawsuit. However, the deadlines for submitting insurance claims and providing required documentation are often much shorter. Missing these timeframes can mean losing your right to compensation altogether.
Because of these deadlines, it is important to act quickly. We can handle the legal requirements, ensure timely filing of paperwork, and preserve your rights while you focus on recovery.
How We Support You Through the Process
At Brett McCandlis Brown & Conner, we approach every case with the same dedication and focus. We understand your financial stability depends on securing full compensation for your lost income. Our team supports you by:
- Collecting and organizing the medical and employment records needed to prove your claim;
- Negotiating directly with insurers to push for maximum recovery;
- Calculating not only past lost wages but also long-term earning potential;
- Representing you in court if an insurance company refuses to be fair; and
- Working on a contingency-fee basis, so you never face out-of-pocket costs.
Our track record of results reflects the strength of our approach. We have won millions of dollars on behalf of our car accident clients.
Call Us for a Free Consultation
If you or a loved one has lost income because of a car accident in Washington, you do not have to face the insurance process alone. A lost wages insurance claim requires persistence, detailed evidence, and an experienced legal strategy. We are ready to stand with you, protect your rights, and pursue every dollar of compensation you deserve.
Our Everett car accident attorneys have been recognized year after year by Super Lawyers and hold a 10 out of 10 rating on Avvo. We are dedicated to our vocation and care deeply about our clients.
When you have a free consultation with us, we’ll give you a straightforward evaluation of your case. We’ll cover:
- Your case’s strengths and weaknesses,
- The likelihood you’ll prevail, and
- How much compensation you may receive.
We work on a contingency basis, meaning we only get paid if you win. We don’t charge hourly fees.
Let us take some of the weight off your shoulders. Call us for a free consultation today.
