In Washington, all motorists must carry at least the minimum required auto insurance in order to drive legally. If you are pulled over by the police or are in a collision, you must be able to provide proof of your car insurance coverage to officers. Failing to provide proof of insurance coverage may result in a suspended driver’s license. If you are at fault in a car accident and do not have insurance to provide coverage for an injury victim, you could be responsible for their damages, including property damage, medical bills, lost wages, and pain and suffering.
Before you get behind the wheel in Washington, it’s important to ensure that you’ve met the state’s minimum requirement for auto insurance coverage for your own protection as well as for the protection of others on the road. If you or a loved one was injured in a car accident due to the negligence of another driver, speak with an experienced Seattle auto accident lawyer to learn about your legal options for recovering financial compensation.
Washington requires all drivers to have at least the following coverage in their auto insurance policy:
These are the state’s mandatory requirements for driving legally in Washington. It’s important to note that financed or leased vehicles may have additional insurance requirements by their lender or a leasing company. Most lenders require full or comprehensive coverage which includes coverage for auto theft and break-ins.
Your insurance provider should send you a card to carry in your wallet or store in your vehicle’s glove box. This card is your proof of insurance and includes your insurance contract number. You are required to show this proof whenever you have an accident or in the event that you’re stopped by an officer for a traffic violation. Even if you have coverage in place, if you don’t have evidence of your coverage at the time of your traffic stop you could get a ticket for a traffic violation, and law enforcement may require you to provide proof of your coverage at the courthouse in your jurisdiction within a specified number of days.
All motor vehicles, including motorcycles, must have at least the state’s minimum required insurance coverage except for the following exceptions:
Even if the law does not require you to carry coverage for your motor vehicle, you may still acquire protection through insurance coverage to protect yourself from liability in the event of an accident. This ensures that you aren’t held personally responsible for paying for any damages you cause in a collision.
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