Washington Car Insurance
Are you moving to the Evergreen State or you simply want to aquire Washington car insurance quotes? Here are some guidelines that you should know when shopping or purchasing a car plan.
Washington, the home of the first gas station located in Zillah, has its own set of minimum requirements for a car plan that a motorist should comply. The state requires that all drivers should include the following in their car policy; (1) Bodily Injury Liability Coverage, which has a minimum of $25,000 per person and $50,000 per accident; and (2) Property Damage Liability Coverage, which has a minimum requirement of $10,000. On the other hand, car insurance companies will cover as much as $100,000 per person and $300,000 per accident for Bodily Injury Liability in a Washington car insurance quote. For Property Damage Liability the basic pay amounts to $50,000.
Uninsured Motorist Bodily Injury Coverage, Medical Payments Coverage, Personal Injury Protection, Collision Coverage, and Comprehensive Coverage are not required in Washington. But as a policy holder you have the options to add these specs into your car plan. Insurers will cover as much as $100,000 per person and $300,000 per accident for Uninsured Motorist Bodily Injury, $10,000 for Medical Payments Coverage, and $10,000 for Personal Injury Protection with a maximum of $10,000 for medical expenses. Collision Coverage has a deductible of $500, while Comprehensive Coverage has a deductible of $10
The state of Washington legally allows car insurance companies or you from excluding a driver in your household to be covered by your policy. The reason usually behind the exclusion is the driving history of the driver when he or she is found to be high-risk for accidents. This matter is included in the policy’s exclusion sections together with guidelines when the insurance company is exempted from paying a certain claim. There are circumstances which insurance companies are not obligated to pay for a claim. This area should be thoroughly understood by you so that you will be highly knowledgeable about the ins and outs of the policy. It is highly suggested also that all clauses must be clearly understood by you so that you will know the limitations and the total coverage of your chosen policy. Any ambiguous clauses can be cleared out by your insurance companies. Ask them to carefully explain to everything that you think are unclear to you.
Also, you can also add some additional insurance coverage into your car plan, such as Towing and Labor Fees Coverage and Rental Fees Coverage. Towing and Labor Fees Coverage, helps you pay expenses for towing and other road services fees, while Rental Fees Coverage, reimburses expenses for car rentals while you car is under repairs.
In order to protect and ensure the safety of all teen drivers from the perils of road accidents, the State of Washington has its own set of Graduated Driver Licensing Laws that parents and/or guardians should discuss with their children and/or charges. These guidelines will not only save their lives, but can also help lower your insurance risk.
Car insurance in Washington State is regulated by the office of the insurance commissioner.