Washington Auto Insurance
Washington
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The Washington Department of Licensing (DOL) works to ensure that drivers are able to take responsibility for any injuries or damages they may cause while operating motor vehicles on the state's roads and highways. This is why the state mandates a certain level of auto insurance for all drivers. If you neglect to maintain Washington auto insurance, you will be charged a minimum of $450. Drivers need to carry proof of coverage at all times and present it to any inquiring law enforcement officer. Providing false insurance information is considered a misdemeanor in the State of Washington. Your insurance company issued card showing that you carry a valid policy should include the following information: the insured driver's name, insurance company name, policy number, effective dates, expiration dates, and a description of the vehicle including year, make and model.
Any vehicle registered in the State of Washington must carry at least $25 thousand for bodily injury or death per person, per accident; $50 thousand for bodily injury or death of more than one person, per accident; as well as $10 thousand for damage to the property of others. Car dealerships, or others who have 26 or more cars registered in Washington, are permitted to opt for self-insurance instead of liability coverage, as long as the individual or group is covered by a certificate of deposit or liability bond in the same amounts. Washington auto insurance regulations do make exceptions for antique and collector vehicles that are more than 30 years old, government and other public vehicles, motorcycles and mopeds, and vehicles that are registered under common or contract carrier designation from the Washington Utilities and Transportation Commission.
The Washington Traffic Safety Commission addresses driver safety issues including seat belt use, impaired driving, speeding, driver distraction, e.g., cell phone use, and pedestrian related traffic issues. Research has identified risk factors that correspond with increased collision rates including environmental factors (weather, road type, time of day), vehicle factors (safety features, equipment), and human factors (impairment, speeding, inattention). Being a responsible motorist includes safe driving practices and financial responsibility in the event of an accident. Compare Washington auto insurance quotes online to find the coverage you need.