Washington State auto insurance laws require that all drivers have a minimum of bodily injury protection. This protects you from any injury or damage you cause to other drivers. Depending on your needs, you may consider purchasing additional insurance. These prices are only estimates based on fares for an average driver in Washington and should not be used to compare insurance prices.
Drivers with many traffic violations or DUIs on their record may struggle to find insurance in Washington State. Vehicle insurance premiums are regulated by the Washington State Office of the Insurance Commissioner. Drivers don't need PIP insurance in Washington, but they can purchase it to protect themselves against bodily injury and personal property damage during an accident. However, Washington State has a Washington auto insurance plan, which provides high-risk drivers with an insurance company to use.
MoneyGeek also ranked the best car insurance companies in Washington for those who want solid service and affordable rates. In addition, if you drive a leased vehicle or have an auto loan, your lender may require you to have full coverage insurance to protect your investment. In most states, including Washington, insurance follows the driver or car, depending on the type of coverage and the insurer. Like others in the country, Washington State requires that all cars on the road have liability coverage through auto insurance.
You may face several penalties and fines if your policy doesn't meet Washington's auto insurance requirements. Washington is not a no-fault state, meaning you won't be allowed to claim compensation from your insurer if you're involved in an at-fault accident. 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 are driving without insurance in Washington State. With the exception of auto insurance coverage for bodily injury and property damage, the state does not require drivers to have any other types of insurance.
Failure to provide proof of insurance after an accident is also considered a civil offense in Washington State and, if you provide false information, it may be considered a misdemeanor. Before you get behind the wheel, make sure your auto liability insurance is enough to cover all your assets.