Washington Car Insurance
Car Insurance » Washington
If you’re a new driver in the state of Washington, you may be wondering if you need to purchase automobile insurance before you can drive. The answer is yes. State law requires all drivers of automobiles registered in Washington to carry liability coverage. This type of coverage provides compensation to any people injured or killed in an accident that you cause. Drivers may purchase insurance or provide either a certificate of deposit or a liability bond in the amount of $60,000.
Most drivers opt for Washington car insurance. In Washington, there are minimum policy limits for injury or death of $25,000 for a single individual in any single accident or $50,000 for two individuals. Minimum policy limits mean that your insurance must provide at least that amount of coverage, although higher levels of coverage are available through must insurance companies and provide additional protection for your assets. A minimum policy limit of $10,000 for damage to other vehicles or other types of property, such as fences or lamp posts, is also required.
Insurance offers some advantages over either a certificate of deposit or a liability bond, both of which require an upfront payment of at least $60,000. Insurance usually costs just a few thousand dollars every year, and payments can often be spread out over the term of the policy, which is generally six months or one year.
Automobile insurance also offers the opportunity to purchase optional coverages. Collision insurance covers damage to your own vehicle in an accident, including single-vehicle accidents like roll-overs, while comprehensive coverage provides for damages not caused in an accident, such as falling tree limbs. Finally, uninsured/underinsured motorist coverage gives you benefits if you are not at fault in an accident with a motorist illegally driving without insurance or inadequate levels of coverage.
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