Washington Car Insurance Policy
A Washington car insurance policy is required to have 25/50/10 minimum cover under Washington State law. All WA auto insurance policies should cover a minimum amount of $25,000 for bodily injury for a single person, $50,000 for bodily injuries of all passengers and $10,000 for property damage.
Proof of Washington Car Insurance Policy Coverage
Purchase of an automobile in Washington State in most cases requires car insurance coverage. When you drive a car in Washington State, you require proof of having purchased an automobile insurance policy. A temporary insurance card is issued by your insurance company while they process the policy.
The State of Washington temporary insurance card contains the name of the Insurance Company, the policy number, the effective and expiry dates, the description, the year, make, and model of the insured vehicle. Other documents that qualify as proof of insurance are premium receipts, insurance binders, current declaration page of a liability Insurance policy, the actual liability insurance policy, and a certificate of a liability insurance policy issued by the insurer or insurance agent.
Washington Car Insurance Policy Exemptions
Washington State laws exempt vintage vehicles, government and public vehicles, motorcycles and mopeds, vehicles designated as common or contract, and Washington Utilities Transport service vehicles from purchasing an insurance policy.
Washington Auto Insurance Policies are Designed to Conform to Washington State’s “At Fault” Auto Insurance Laws.Washington state automobile accident laws operate on the premise that someone is at fault for causing an accident. The person who is at fault is responsible for the damages.
Types of Washington Car Insurance Policy Options
The policy is a contract and remains effective as long as you pay your premiums correctly. Premiums are charged on the basis of a base rate. The base rate is the minimum coverage amount required by law in Washington State.
Other counts on which you may require coverage or can waive coverage in writing are collision insurance. Collision insurance is useful for the quick settlement of car repair amounts which the insurance company can claim from the insurance company of the offending vehicle. If your car costs less than $3,000, collision insurance is an unnecessary burden on the premium.
Comprehensive auto insurance is for expenses arising out of damages to the vehicle other than collision like vandalism or natural calamities. Uninsured/underinsured (UIM/UM) coverage is for an accident where the driver is uninsured. Medical insurance payments may be duplicated if your health insurance covers the expense.
Personal Injury Protection (PIP) is to cover payments for expenses like wage loss or funeral expenses and may be another unnecessary method of increasing premiums. PIP is not available in Washington State for farm equipment, mopeds, motorcycles, off the road vehicles and if the vehicle is used for activities like racing or for acts of felony.
All coverage options that can be waived in writing must be waived in writing or insurance companies are required in the state of Washington to cover these possibilities and charge you for them.
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