Auto Insurance Coverage in Washington
Reader’s Question:
I can’t really understand the numbers my auto insurance agent Washington showed me. He said it’s got something to do with bodies? It doesn’t make sense to me.
Alexandra
Vancouver, WA
Alexandra, forgive me for saying this, but if he can’t relate the message clearly, then he shouldn’t be your insurer at all. You should go out and look for somebody who speaks plain English. You have many choices in Vancouver Washington WA so don’t settle for somebody who doesn’t meet your expectations. That is some unsolicited advice from somebody who is both a service provider and a consumer.
I am privileged and at the same time pressured now to make up for your insurers shortcomings; I’ll try to explain it in the simplest way possible.
When you apply for liability coverage, your auto insurance package will be reflected as a set of three numbers, called the liability limits. It only says that when you are liable for something – a collision – those are the limits to the amounts (in thousands) to be provided by your auto insurance company. To illustrate, let us use a random set – 30/60/20. The first number indicates your bodily injury limit per person – this is the maximum amount your auto insurance will pay for human injuries that the vehicle’s (the one you bumped into) passengers have suffered. This amount is provided per person so if the car had two passengers, you are given 30 x 2 = $60,000. The story varies slightly with the second number, which is the bodily injuries limit per accident. Had there been three passengers, you should have been entitled to 30 x 3 = $90,000 but the second number dictates that you have a limit to the amount you can spend per accident. In which case, your covered expenses will still be $60,000. The third number is the least complicated and most straightforward – it is the damage to property limits. So it will pay for the repairs of the car you have collided into and in this case it is $20,000.
Like I said, there are many auto insurance companies in Vancouver Washington WA and you can take your pick among them. On this page, you will see a blank space where you can input your zip code. It will yield free quotes from several insurance companies in Vancouver, so please choose well!