Washington Car Insurance (WA)

Seattle is where the dot-com lifestyle began.  Seattle gave us the software to create much of today's job market, a market where casual clothes are combined with a high-energy work ethic pursued by a new generation of high-energy people.  Those of us that have come of age in this culture are moving at a new pace, as quickly as the industries around us change.  One thing that has not changed is the need for transportation, and that car requires car insurance. 

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Minimum Car Insurance Requirements in Washington

Washington's Mandatory Insurance Law requires that every licensed driver carry minimum amounts of insurance coverage. The policy must provide at least $25,000 in bodily injury coverage for an individual, and at least $50,000 in bodily injury coverage for the entire accident.  In addition, there must be a minimum of $10,000 in property damage coverage.

In addition to basic liability coverage, you may want to consider purchasing coverage to protect your own vehicle. Collision coverage helps pay for damages to your car if you are at fault in an accident. Comprehensive insurance helps pay for damages to your car that is not accident-related, such as fire or storm damage, theft, or vandalism. Both collision and comprehensive coverage are sold with a deductible payment attached. It is in your best interest to opt for the highest deductible you think you can afford in the event of an accident. High deductibles for these insurance components will lower your premium costs significantly. If you take out a loan to purchase your car, your lender will likely require you to purchase these coverages.

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Washington (WA) Optional Car Insurance Coverage

Medical payments insurance is another form of optional car insurance that provides an additional layer of protection against injury related costs. This policy component will pay for medical costs for you and your passengers regardless of who is at fault. Medical payments insurance may overlap with the other driver’s liability coverage, or may be a necessity if you have no underinsured motorist coverage and the other driver has insufficient coverage.

Most insurance companies will also offer coverage for the towing charges incurred while removing your car from an accident scene. If you are an auto club member, this type of insurance is probably unnecessary. You can also buy coverage for rental car costs for a vehicle to drive while yours is in the shop.

Car Insurance in Washington Cities

Learn more about car insurance specifically in Seattle.