As with many of the states in the U.S., to drive in the state of Washington, you are required to be carrying an insurance card which proves that you have taken financial responsibility for your vehicle in the case of an accident. There are three specific types of coverage that you have to have to meet the minimum liability requirement of quality Washington car insurance laws. These are:

• Injury/death liability for a single person in the amount of $25,000
• Injury/death of multiple people in the amount of $50,000
• Property damage in the amount of $10,000

There are a couple of other options that you can go with for financial responsibility if you qualify for them. For example, if you have what is considered a fleet of vehicles for your business, then you can get yourself self insured with the DMV. Another thing you can do is turn over sixty thousand dollars in bonds to the DMV as proof of financial responsibility. Naturally, most vehicles can’t be self insured and most people don’t have that much money to bond.

There a couple of examples in which you might not need Washington car insurance. For example, if you have your car registered in a different state. However, if this is the case then you still have to carry insurance proof that fits the laws of that other state. You also don’t need top insure recreational vehicles like motorcycles and mopeds.

If you get pulled over by a police officer in Washington, then you have to provide evidence of insurance. If you don’t, then you will be considered uninsured and will be fined $450. If you actually have insurance, you can later prove it and get the fine nulled, but it is a lot of hassle and that is why you always need to drive with your insurance card on hand.

Cheers,

Fashun Guadarrama.