Remember that liability coverage does not apply to your own injuries or damage to the vehicle after a car accident in Washington. In addition, if you don't have insurance, your license can be suspended if you cause a car accident and you can't pay damages to the injured parties, if there is a reasonable chance that a court will rule against you. Contrary to what many people believe, liability insurance generally follows the vehicle in Washington, not the person. This means that the person who was at fault for causing the car accident is also responsible for any resulting damage (from a practical point of view, the at-fault driver's insurance company will absorb these losses, up to the limits of the policy).
In Washington, as in every state, car insurance is sure to play an important role in any claim filed after a traffic accident. So what is liability coverage? It pays for medical bills, property damage bills, and other expenses for drivers, passengers, and pedestrians who are injured or damaged to their vehicle in a car accident that you cause, up to coverage limits. After a car accident in a no-fault state, you must use the personal injury protection coverage of your own auto insurance policy to pay for medical bills and other losses out of pocket, regardless of who caused the accident. Washington (along with most other states) requires drivers to maintain a certain amount of liability insurance.
You'll need different (additional) coverage for that if you're involved in a car accident and no other person's coverage applies to your losses. For example, collision coverage (optional in Washington, although it may be required under the terms of a vehicle lease or financing agreement) can pay for repairs (or replacement) of the damaged vehicle after a car accident. The minimum liability insurance required may not be sufficient to cover a serious car accident, leaving you personally responsible for the amount of damages that exceed your policy limits. A comprehensive coverage policy from one insurance provider may exclude damage caused by hail, while a comprehensive coverage policy from another insurance provider may cover damage caused by hail.
Once the policy limits are exhausted, you personally find yourself in financial distress, so higher insurance limits can help protect your personal assets in the event of a serious accident. However, the most serious consequence of driving without insurance is that uninsured drivers who cause an accident are personally responsible for any damage that results. Unfortunately, if the driver who caused the accident is uninsured, your only option is to file a personal injury lawsuit against the driver for any amount that exceeds your uninsured motorist coverage (if any). Remember that, although insurance is not mandatory for the vehicles listed, you may be held responsible for damage or injuries that result from the negligent use of these vehicles.