A typical car insurance policy covers various safeguards or “coverages,” some of which are obligatory and others optional. Unless you opt out, several coverages may be included in your insurance by default. Before purchasing, you should first assess which type of coverage is most appropriate for your requirements. However, to meet regulations, you may need to select more coverages than you require. Your agent should work with you and your needs to produce a tailored policy to your individual needs.
Please don’t put yourself in the position of thinking your insurance is covering something when it isn’t. To understand what your auto policy covers, carefully the policy and be aware of the coverages.
In Washington, auto/motorcycle insurance is necessary
Auto liability insurance and evidence of auto insurance are required under Washington state law for all car and motorbike drivers.
Liability for bodily injury
This car insurance policy covers injuries to others, the designated driver, or the policyholder caused by you. It also protects you and your family members covered under your insurance when you are driving another person’s automobile or motorcycle (with their permission). In Washington, having bodily harm liability insurance is mandatory.
Liability for property damage
In Washington, drivers must have at least $10,000 in property damage liability insurance. In the event of an accident, liability coverage assists with the reimbursement of damages to another vehicle or property destroyed. Property damage liability usually does not cover damage to your automobile or motorcycle, which is why some drivers prefer to supplement their policy with collision coverage.
Your auto insurance company should provide you with certain coverages.
When purchasing auto insurance in Washington, your agent or broker must provide you with the two types of coverage listed below. If you don’t want to be covered, you must express your dissatisfaction in writing.
Coverage for uninsured and underinsured motorists
This policy reimburses you if you, a family member, or your designated driver is harmed by an uninsured or hit-and-run driver or an unidentified vehicle. In case of any accidents involving a hit-and-run driver or unknown vehicle, you should report to a local law enforcement agency within the next 72 hours. Also, attempt to obtain contact information from everyone who witnessed the collision.
Check your policy for precise requirements and speak with your agent. According to insurance carriers and brokers, motorcycle drivers must have access to this form of coverage.
Protection against personal injury (PIP)
PIP covers, among other things, the treatment of injuries sustained by the driver and other passengers in the vehicle following an accident. Note that insurance agencies and brokers are not required by state law to sell PIP to motorcycle drivers.
You may be required to have certain types of insurance by your lender.
Collision
This protects your car from damage if it collides with another vehicle or object or if it flips over. It may also cover damage caused by potholes to your vehicle.
Comprehensive
This covers you in the event of theft or damage caused by something other than a collision with another vehicle or object. Comprehensive could include fire, vandalism, or contact with an animal like a deer.
Other types of insurance to think about
Other forms of coverage are available from most insurers, but they will almost certainly raise your rate, so think about what you’ll need and discuss it with your insurance agent or broker.
Driving to foreign countries that are close by
Your auto insurance should cover you if you drive into Canada, but double-check with your agent before you leave. You’ll need Mexican auto insurance to drive into Mexico. Make sure to inquire about any additional requirements with your agent.
Insurance to cover the gap
The average vehicle insurance coverage covers the value of your automobile, not your loan. Gap insurance is available through your insurance agent or broker. If your vehicle gets any damage in an accident, it pays off our auto loan.
Coverage for rental reimbursement
If your automobile is in the shop for repairs following an accident, rental reimbursement ensures you have a car to drive.
Coverage for roadside assistance
Your insurance covers typically towing and per-mile fees up to a certain level if your vehicle breaks down. If you pay the towing firm upfront, your insurance company will reimburse you after your claim is completed.
Liability plans with an umbrella clause
These are distinct insurance policies that add an extra degree of security. They kick in after your liability protection in your vehicle or homeowner coverage has run out. It shields you from financial repercussions if you harm another person or their property.
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