In Washington, there are minimum requirements in place for auto insurance companies and their clients. All drivers in the state that wish to acquire auto insurance must meet the requirements in order to register their vehicles and to legally drive in the state.
In Washington, every insurance company must provide their clients with a minimum coverage of $25,000 per person that is injured or killed in an accident. Drivers in Washington must also carry a minimum of $50,000 for bodily injuries that occur per accident and they must have $10,000 of property damage coverage in place. In addition to carrying the types of insurance that are required, drivers in Washington may also add a number of different types of insurance coverage to their policies if they like.
Washington drivers must maintain two different forms of liability auto insurance coverage on their vehicles. These types of coverage include bodily injury liability insurance as well as property damage liability insurance. With bodily injury liability insurance, the expenses associated with physical injuries that result from an accident the insured driver causes are covered. The other form of liability coverage, property damage insurance, covers the costs associated with damage to property.
Bodily injury liability, which is known as BI for short, must provide drivers with a minimum of $25,000 of coverage per person. It must also have $50,000 of coverage in place for bodily injuries that are sustained per accident. This form of coverage is in place in order to cover the costs associated with the accidental injury or death of other people involved in the accident. Those people that are covered by the insurance include pedestrians, drivers of vehicles, and passengers.
Property Damage insurance, which is referred to as PD for short, must also be in place in order to legally drive in Washington. The minimum amount of coverage that is required for Washington drivers is $10,000. The Property Damage insurance required in Washington pays for the expenses that result when the insured driver gets in an accident and causes damage to property. This property may include the vehicle or vehicles of anyone else that is involved in the accident or any other property that might have been damaged.
Washington drivers are required to carry auto insurance coverage in order to register their vehicles. If a Washington driver does not have auto insurance, he or she must be able to prove that he or she is capable of paying any of the expenses that may result from an accident.
There are several different ways a Washington driver can prove that insurance coverage in place. For example, the driver can use the temporary insurance card that was issued by the provider in order to prove coverage. The driver can also use the receipt that he or she received when making a premium payment in order to prove coverage.
A Washington driver can also use the declarations page from his or her liability insurance policy in order to prove insurence coverage. Another option available to Washington drivers is to use the liability insurance policy or the certificate of liability insurance policy as proof of coverage.