Washington state law requires that all drivers of cars and motorcycles have liability insurance and proof of auto insurance, liability for bodily injury. Washington's liability insurance requirements only apply to motor vehicles and motorcycles. Scooters, mopeds and horseless transport vehicles are not required to be insured. For example, if you get injured, your coverage for uninsured drivers could make the difference between not receiving any compensation for your injuries and being fully covered if you have an accident with another driver who doesn't have insurance.
Like other states in the country, the state of Washington requires that all cars in circulation have liability coverage through auto insurance. This type of auto insurance coverage in Washington is used to repair your vehicle when physical damage occurs due to incidents not related to a collision (subject to the deductible). This will include the safety features of the car, the year and make, the age of the vehicle, the ownership of the vehicle, and the cost of repairing the vehicle. While additional coverage options may cost a little more initially, purchasing optional coverage can save you thousands of dollars later in the event of a car accident.
This type of optional coverage pays for what's left over after subtracting the amount you still owe the lender and the current market value of your vehicle. 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. To protect victims of car accidents, the state of Washington requires that all drivers have liability coverage to cover medical bills and property damage in the accidents they cause. Some states require an SR-22 document to show that you can meet the state's minimum insurance requirements.
If you don't have insurance and are involved in an accident, you must pay out of pocket for the damages, and depending on the severity of the accident, the costs can be very high. Not all Nationwide member companies are mutual companies and not all Nationwide members are insured by an investment company. Nationwide, Nationwide N and Eagle and other brands that appear on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise stated. 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.
This means that the person responsible for causing a car accident is also responsible for paying for damages. It protects you in the event of an accident where the other party is at fault and is uninsured or underinsured. Below are the mandatory insurance minimums and optional coverages you may want to consider.