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Underinsured or uninsured motorist (UM/UIM) coverage pays for you, members of your family in your household and occupants of your automobile for personal
injuries caused by a hit and run driver or an uninsured motorist. This coverage
basically replaces the insurance the other driver should have bought but did
not. In Washington you can register as an uninsured motorist and pay a $500
fine to meet the financial responsibility law.
Next, you want to be sure that you are covered in the event any property damage is done. Property damage protects you against a claim for damages to either another vehicle or property in an accident for which you are liable. The third number (25/50/10) tells you how much your washington auto insurance will cover for property
damage in any one accident.
When calculating your washington automobile insurance quote, you must take into consideration the following factors; your driving record, moving violations and previous accidents
will increase the cost of your washington auto insurance. Other factors include age, gender
and marital status. Finally, the county you live in will also affect the cost
of your washington auto insurance rate as well as the driving record of any family members covered under your washington auto insurance policy.
With average washington auto insurance premium at around $924 in 2003, and the national average at around $914, most Washingtonians incorrectly assume that they have no choice but to accept these washington auto insurance rates fixed by washington car insurance companies and state regulatory agencies. We know there are cheap washington auto insurance rates available for you, and we will help you find the cheapest washington auto insurance quotes.
Bodily injury liability does not protect you or your car directly in a claim
brought by someone else against you. It does however apply in an accident for
which you are liable (at fault). This protects you in claims for damages including medical expenses, lost wages and pain and suffering. This coverage also applies for a member of your family driving your car or someone else driving with your consent. For example, Washington requires a minimum of 25/50/20 liability coverage.
You may also purchase a bond in the same amounts as the regular insurance. The first number is the amount that washington auto insurance will cover for any one person ($25,000). The second number is the total amount washington auto insurance will pay for
all persons injured in an accident ($50,000).
As the years go by, washington auto insurance rates change, you might be paying more washington auto insurance premium than you need to. Just one year earlier, the average washington auto insurance premium in 2002 was about $879, that's an increase of about 5.12% in just one year!
The state of Washington requires that anyone operating a motor vehicle
on state highways must have an auto insurance liability policy, a certificate of
deposit, liability bond to the required limits, or if you have 26 or more vehicles,
you may self-insure. Under this law, no individual may exercise the privilege
of operating a motor vehicle on the state's highways unless they have met one of the requirements of the mandatory insurance law.
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