In WA, the minimum auto insurance coverage requirements are determined by state lawmakers. Liability insurance pays for injuries and damages claimed by the occupants of the other vehicle involved in an accident.
Property damage liability coverage is used to pay for the cost of repairs to the other driver’s vehicle. It also pays for repairs to other property damaged in the accident, including sidewalks, guard rails, sign posts and buildings. The minimum level of property damage liability coverage required in Washington is $10,000.
Bodily injury liability insurance is the part of the policy used to pay for personal injury claims stemming from an accident. It covers medical bills and rehabilitation costs, and pays out a funeral benefit if the accident resulted in one or more fatalities. The minimum level required for this type of coverage is $25,000 to pay for injuries and damages claimed by a single accident victim and $50,000 to pay for claims made by two or more accident victims.
Uninsured and underinsured motorist coverage is not mandatory in Washington, but it is a good idea to add these types of coverage to an existing policy. Uninsured motorist coverage pays for injuries and damages sustained by the policyholder and the occupants of his or her own vehicle when the at-fault driver doesn’t have any coverage. Underinsured motorist coverage is used to top up the at-fault driver’s available coverage when he or she doesn’t have enough insurance to fully cover the level of damages stemming from the accident.