Driving in Washington State requires carrying the minimum car insurance coverage. Understanding these requirements is crucial to avoid penalties and ensure you’re financially protected in case of an accident. This guide outlines the necessary coverage, proof of insurance requirements, and alternatives to traditional insurance.
Minimum Car Insurance Coverage in Washington
Washington State law mandates specific minimum coverage limits for bodily injury and property damage liability:
- Bodily Injury Liability:
- $25,000 for injury or death of one person in a single accident.
- $50,000 for injury or death of two or more people in a single accident.
- Property Damage Liability: $10,000 for damage to another person’s property in a single accident.
These minimum limits ensure that you have sufficient coverage to compensate others if you’re at fault in an accident.
Proof of Insurance Requirements
While driving in Washington, you must be able to provide proof of insurance to law enforcement upon request. Your auto insurance ID card, issued by your insurance company, serves as this proof. It must include the following:
- Insurance company name
- Policy number
- Effective and expiration dates of the policy
- Description of the insured vehicle(s) (year, make, and model) or the insured driver’s name. “Fleet” can be used for five or more vehicles owned by the same person or business.
Failure to provide this proof is a traffic infraction. Furthermore, knowingly presenting false evidence of coverage is a misdemeanor.
Alternatives to Traditional Insurance: Self-Insurance and Other Options
Besides traditional car insurance, Washington offers alternatives like self-insurance and surety bonds.
Self-Insurance
If you own 26 or more vehicles, you might qualify for self-insurance. Contact the Washington State Department of Licensing’s Driver Records Department for details. Your self-insurance certificate must include:
- Your assigned self-insurance certificate number.
- The certificate’s effective date.
- Description of covered vehicles (year, make, and model) or the covered driver’s name. “Fleet” can replace the vehicle description.
Certificate of Deposit
A certificate of deposit (CD) of at least $60,000 can serve as proof of financial responsibility. This involves depositing collateral with the Department of Licensing or a designated bank account. To apply, complete the Financial Responsibility Application and Affidavit.
Liability Bond
A surety bond of at least $60,000 from an authorized company doing business in Washington is another option. Proof of a liability bond requires:
- The bond-issuing company’s name
- Bond number
- Covered driver’s name.
Penalties for Lack of Insurance
Driving without insurance in Washington leads to fines and potential license suspension. Penalties escalate for repeat offenses.
Conclusion
Car insurance in Washington State is mandatory. Meeting the minimum requirements protects you and others on the road. Understanding the various options, including self-insurance and surety bonds, allows you to choose the best fit. Always carry valid proof of insurance to avoid penalties. Ensure your documentation accurately reflects your coverage and vehicle information. For specific questions, contact the Washington State Department of Licensing.
