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What Kind Of Car Insurance Do I Need In Washington State?

by Madison Bortfeld

Have you been wondering “what kind of car insurance do I need in Washington State?” If so, you’ve come to the right place. If you choose to drive, most states require a minimum liability car insurance policy. This minimum auto insurance requirement protects you financially and the other driver if you are at fault. Washington State’s minimum auto insurance policy provides you with allotted amounts. In an at fault crash, you’ll have $25,000 per person, $50,000 per accident and $10,000 for property damage in Washington. In a policy, you will see it referred to as 25/50/10.

What happens if you are not insured? Say you’ve crashed into a family of four and in turn, you’ve now completely lost control of your vehicle. Instead of stopping there your car plummets into a commercial business’ fence and sign display, destroying both. The event is catastrophic. But it could be even worse if someone else is in need of an ambulance and medical care.

All of a sudden, your quick drive to the grocery store has turned into some big bills, potentially more than $30,000 worth. If you don’t have insurance, that cost lands directly on you. Say you can’t afford it, courts can seize your assets and garnish your wages to pay for the damage you’ve caused. If you do, your insurance company will pay for the damages based on your auto insurance policy and its limits.

For protection against debt, insurance professionals suggest you have 100/300/100 liability limits, further protecting yourself for not much money than available lower limits. If you have questions, need to purchase an auto policy or are looking to upgrade your auto policy, we’d love to help you. Get in touch with us for a complimentary insurance review today.