Washington Auto Insurance Quotes

If you've been spending time searching for the best way to get information and quotes on Washington auto insurance coverage, you've found the right place. Before buying an auto insurance policy, you can research the laws regarding Washington auto insurance coverage. You can find out what coverage is required and what coverage is optional and decide what your policy should include. Then you can request auto insurance quotes from several carriers that are licensed to do business in the state of Washington. Comparing quotes and getting accurate information can help you keep your vehicle legal and save you money in the process.

Washington Liability Insurance Requirements

Washington is one of the many states that require motorists to carry liability insurance coverage on all registered vehicles.  Liability coverage helps to pay for medical expenses or property damage arising from a motor vehicle accident.  The minimum coverage required for bodily injuries for one person in one accident is $25,000.  All bodily injuries in one accident must be covered by a minimum of $50,000 in liability insurance coverage.  Property damage must be covered by a minimum of $10,000 in liability coverage.  Washington does not require motorists to purchase uninsured motorist coverage or personal injury protection coverage, but these can be added to your insurance policy if you would like additional coverage.

Washington's Tort System

The tort system and the no-fault system are used in the United States to determine who is responsible for paying expenses after a motor vehicle accident.  Only twelve states use the no-fault system, under which a covered driver's insurance company must pay their accident expenses without regard for who is at fault in the accident.  The tort system is used by most states, including Washington.  Under this system, the driver who is at fault for the accident must pay the expenses of others involved in the accident.  The tort system also allows accident victims to sue the driver who is at fault in order to recover damages.

Penalties for Driving Without Insurance

If you are unable to provide proof of insurance after an accident or at a traffic stop, it will be assumed that you do not have valid coverage.  You will need to clear this infraction with the court system by paying a $450 fine.  If you falsify documents to prove insurance coverage when you are not covered, you will be charged with a misdemeanor crime and will face a number of criminal penalties.  The best way to avoid these problems is to kee your insurance card in your vehicle at all times.