Liability Auto Insurance Coverage in Washington
Reader’s Question:
I’m contemplating on buying my own car in the next few weeks which I will use in traveling from my Washington home to my office 40 minutes away and back. I’d like to have some background about auto insurance, particularly liability coverage.
Geraldine
Spokane, WA
Liability coverage is one of the six types of coverage that can be included in an auto insurance policy you buy in Spokane Washington WA. All but two states in the US (Wisconsin and New Hampshire) require that every driver carry liability insurance because it is considered a social responsibility.
When you drive, state laws such the ones implemented in Spokane Washington WA require you to have liability insurance at a certain minimum level to answer for bodily injury and property damage you accidentally cause to others. You can get this information from your nearest auto insurance agent. Liability coverage is a legal requirement; it’s essential. Aside from covering bodily injury and property damage, liability coverage also takes care of legal bills that result from an accident where you’re at fault.
When you examine an auto insurance policy you will see liability coverage limits expressed as a set of three numbers, like 25/45/20, which means: $25,000 bodily injury (BI) coverage per person up to a maximum of $45,000 per accident, and $20,000 property damage (PD) coverage per accident.
Included in BI coverage are medical bills and lost wages, while in PD coverage are repair or replacement of damaged property.
On this page is a form where you can enter your zip code and navigate into links that provide price information on auto insurance premiums.