Washington State's mandatory liability insurance law requires proof of liability insurance for anyone who drives a vehicle or motorcycle in our state. Washington state law requires that all drivers of cars and motorcycles have liability insurance and proof of auto insurance. This covers injuries that you, the designated driver, or the policyholder cause to another person. It also covers you and the members of your family that you include in your policy when you drive someone else's car or motorcycle (with their permission).
Bodily injury liability coverage is mandatory in the state of Washington. 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. 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). One way to think about car insurance is to pay in advance to cover the costs and expenses associated with a car accident or crash.
In Washington, as in every state, car insurance is sure to play an important role in any claim filed after a traffic accident. The insurance appraiser tells you that he received the police report and learned that the other driver doesn't have car insurance. Make sure you're protected because Washington State's minimum auto insurance policy alone isn't enough. Most insurers offer other types of coverage, which will likely increase your premium, so consider carefully what you'll need and talk to your insurance agent or broker.
These are two different ways in which this standard rear-end accident could be a big problem for you if you only have the minimum Washington state car insurance policy. Like other states in the country, the state of Washington requires that all cars in circulation have liability coverage through auto insurance. Read on to learn the details of Washington's auto insurance rules, how coverage is likely to affect a car accident case, and the types of penalties you can expect if you drive uninsured in the state of Washington. Your car insurance will generally cover you if you drive to Canada, but check with your insurance agent before you make the trip.
Washington, like most states, requires vehicle owners and drivers to maintain certain types and amounts of insurance coverage, or to otherwise demonstrate financial responsibility for a potential car accident.