Washington Auto Insurance - How Much Car Insurance to Buy in the State of Washington
If you live in the state of Washington, you have to buy car insurance in line with the local regulations.
However, the Washington auto insurance required by law may not be sufficient to cover your expenses, in case of a road accident.
That is why you should learn more about the mandatory and optional types of coverage and how much of each is best to purchase in order to be better protected financially.
The Washington auto insurance requirements state that you have to have liability coverage.
You must purchase at least $25,000 of bodily injury liability coverage per person and $50,000 per accident.
You are also required to buy at least $10,000 of property damage liability coverage.
According to insurance experts, these amounts tend to be highly insufficient to protect you financially in case you are found to be responsible for a car crash.
The main reason for this is that Washington is a Tort state.
The legislation in this state mandates that the driver at fault is legally obliged to cover the medical expenses of the victims in an accident.
Furthermore, the victims have the legal right to seek compensation for additional costs and losses.
This means that if you cause collision, you may have to pay tens of hundreds dollars to the other people involved in the crash.
That is why you are advised to add as much bodily injury liability coverage to your Washington auto insurance as you can afford.
According to experts $100,000 per person and $300,000 per accident are sufficient for financial protection.
Since Washington is not a no-fault state, you are not required to have personal injury protection (PIP) coverage.
It is up to you to decide whether you buy this optional coverage, but you have to keep in mind that it can be of use, if you or a member of your family gets injured in a car accident.
The uninsured motorist and underinsured motorist (UM/UIM) coverage is also not obligatory for drivers and vehicle owners purchasing Washington auto insurance.
However, insurers are obliged to offer such coverage and to recommend carrying more than the state minimum.
In general, since bodily injury liability minimums in this state are relatively low, you should definitely consider buying UM/UIM coverage of greater amount.
You are not legally obliged to include collision coverage and comprehensive coverage in your Washington auto insurance policy.
You can use this to save on your policy.
Owners of old vehicles are often recommended to drop these types of coverage, as car repairs may cost as much as buying a new car.
Statistics show that the average price of Washington auto insurance is a little over $1,620.
This is higher than the average for the country, $1,538.
That is why you should definitely take advantage of all available methods for saving on your policy, while purchasing enough to secure your assets.
You can save by shopping around and comparing many quotes to find the best possible deal.
You should also look for low mileage, safe car and safe driver discounts, if you qualify for these.
However, the Washington auto insurance required by law may not be sufficient to cover your expenses, in case of a road accident.
That is why you should learn more about the mandatory and optional types of coverage and how much of each is best to purchase in order to be better protected financially.
The Washington auto insurance requirements state that you have to have liability coverage.
You must purchase at least $25,000 of bodily injury liability coverage per person and $50,000 per accident.
You are also required to buy at least $10,000 of property damage liability coverage.
According to insurance experts, these amounts tend to be highly insufficient to protect you financially in case you are found to be responsible for a car crash.
The main reason for this is that Washington is a Tort state.
The legislation in this state mandates that the driver at fault is legally obliged to cover the medical expenses of the victims in an accident.
Furthermore, the victims have the legal right to seek compensation for additional costs and losses.
This means that if you cause collision, you may have to pay tens of hundreds dollars to the other people involved in the crash.
That is why you are advised to add as much bodily injury liability coverage to your Washington auto insurance as you can afford.
According to experts $100,000 per person and $300,000 per accident are sufficient for financial protection.
Since Washington is not a no-fault state, you are not required to have personal injury protection (PIP) coverage.
It is up to you to decide whether you buy this optional coverage, but you have to keep in mind that it can be of use, if you or a member of your family gets injured in a car accident.
The uninsured motorist and underinsured motorist (UM/UIM) coverage is also not obligatory for drivers and vehicle owners purchasing Washington auto insurance.
However, insurers are obliged to offer such coverage and to recommend carrying more than the state minimum.
In general, since bodily injury liability minimums in this state are relatively low, you should definitely consider buying UM/UIM coverage of greater amount.
You are not legally obliged to include collision coverage and comprehensive coverage in your Washington auto insurance policy.
You can use this to save on your policy.
Owners of old vehicles are often recommended to drop these types of coverage, as car repairs may cost as much as buying a new car.
Statistics show that the average price of Washington auto insurance is a little over $1,620.
This is higher than the average for the country, $1,538.
That is why you should definitely take advantage of all available methods for saving on your policy, while purchasing enough to secure your assets.
You can save by shopping around and comparing many quotes to find the best possible deal.
You should also look for low mileage, safe car and safe driver discounts, if you qualify for these.
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