Under WA state law, drivers must have at least a minimum level of coverage in place. In this tort state, third party liability coverage must be put in place to protect the policyholder from having to pay for injuries and property damage he or she causes in an accident.
Bodily injury liability coverage pays for medical bills incurred by the occupants of the other vehicle in an an accident. It also pays out a funeral benefit if the accident results in one or more fatalities. The minimum level of this type of protection required by law is $25,000 to compensate one accident victim and $50,000 to pay for all injuries and damages stemming from the same accident.
Property damage liability insurance is also required under WA state law. This is the part of the policy which pays for repairs to the other driver’s vehicle. It also covers the cost of repairs to public property damaged in the accident, including buildings, sheds, fences, sidewalks and sign posts. At least $10,000 in coverage must be bought for this purpose.
Third party liability coverage pays for damages caused in an at-fault accident up to the limit the policyholder puts in place. If the policy limit is not high enough to pay for the damages caused, the at-fault driver is responsible for paying the difference personally.
A driver who buys a policy with the minimum auto insurance coverage required under WA law may not have enough protection to fully cover damaged caused in a serious accident. A better choice is to buy as much protection as the driver can afford.