Yes, you need coverage for uninsured drivers, even if you have comprehensive and collision coverage. Collision insurance will pay for the repair of your vehicle if you are hit by an uninsured driver, but it won't cover any of your medical expenses and comprehensive insurance won't cover your expenses at all after a collision. Comprehensive insurance only pays for repairs if your car is damaged by something other than a collision, such as acts of vandalism or a natural disaster. And you would need coverage for uninsured motorists.
Read the full answer on personal injury protection (PIP) or MedPay to cover your medical expenses after a collision with an uninsured driver. Washington does not require other types of insurance, such as coverage for uninsured drivers or personal injury protection (PIP). However, the law requires insurers to have PIP insurance. We reviewed the average car insurance premiums from Quadrant Information Services to determine minimum and total coverage and compared coverage options.
Liberty Mutual comprehensive coverage will pay up to the actual cash value of the vehicle, less any deductibles, for covered repairs. Since then, she has worked as a news writer in the insurance industry and has gained in-depth knowledge of state and national insurance laws and rates. Liberty Mutual comprehensive insurance covers damage to the policyholder's car caused by something other than a collision, such as vandalism or a natural disaster. SR-22 insurance in Washington costs more than a standard insurance policy, but finding a company that works with you isn't usually difficult.
Bankrate's insurance editorial team began the search for the best auto insurance companies in Washington by analyzing dozens of companies available in the state. As you'd expect from the most populated city, car insurance in Seattle has some of the highest rates. To find the lowest premium for your coverage needs, many insurance professionals recommend getting car insurance quotes from different companies to compare rates. Drivers almost always take out comprehensive insurance along with collision insurance, which pays for the repair or replacement of the covered vehicle after a car accident, regardless of who was at fault.
If you have too many, standard insurance companies may not be willing to insure you and you'll have to find high-risk car insurance. Washington drivers pay approximately 20% less for insurance than the rest of the country, despite increased risks from extreme weather, heavy traffic, and rising rates of car theft in major cities. As you learn more about the insurance companies listed below, this Bankrate score can help provide a detailed summary of how each insurer compares to another. Keep reading to learn more about car insurance in Washington State, including companies that might have the cheapest rates for you.