Auto Insurance Requirements In Washington
Washington Auto Insurance
According to Washington state law, all motorists applying for vehicle registration are required to have valid vehicle liability insurance. This insurance helps cover the costs of damages or injuries you may have inflicted on others if you are responsible for an accident. You must carry evidence of insurance in your vehicle at all times, and provide it to law enforcement and others involved in an accident with you upon request. While this is the minimum amount as required by law, drivers are strongly urged to consider higher limits. It’s also important to note that, while Washington law does not require you to have collision and comprehensive coverages, you may have to purchase both as part of your car’s finance or lease agreement.
Car Insurance Policy Requirements in the state of Washington
Washington law mandates that every automobile insurance policy sold in the state must have these minimum coverages:
- $25,000 for injuries or death per person
- $50,000 total for injuries or death per accident
- $10,000 for property damage
Penalties and Violations
If you are caught driving without insurance in Washington, you are subject to a minimum fine of $550.
If you had a valid insurance policy at the time of a traffic stop but were unable to show your insurance card, you may go to court with proof that you were insured at the time of the violation before your court date to have your charges removed. However, you may still have to pay a court-processing fee of $25.
You are also deemed fully responsible for any financial repercussions should you cause an accident and not have any insurance to cover the cost of the damage.
Choosing the insurance that’s actually right for you may seem overwhelming. It’s important to make sure you’re adhering to the law in whatever state you live. Don’t go it alone — have one of our friendly, knowledgeable agents help you cut through the nonsense, and get you the security you need while you’re out on the road. Getting the right insurance is just a few steps away.