Types of Car Insurance Coverage in Washington
Reader’s Question
HI! I just want to ask if there are many types of car insurance in Washington or if there’s only one with full package.
Levee Rouge
Aberdeen, Washington
That’s a very interesting topic you have unknowingly opened up, Levee! Good thing you’ve asked that because that will help not only you but every person looking for the best insurance policy, as well.
Few years back, I was also asking myself what would be the best policy to avail. Would you believe I even spent eight months waiting and searching for the best insurance company and policy? I just wanted to make sure I would settle for the best. But worse scenario happened and I had no choice but to immediately avail insurance.
There are so many types of car insurance coverage you may choose from in Washington.
Collision: The insurer will pay for the repairs of vehicle if involved in an accident. Collision Coverage also pays for the purchase of a new vehicle if your car cannot be repaired anymore.
Comprehensive: This is the kind of coverage that pays for a new car when your car was stolen or damaged because of a fire incident.
There is also Kinds of Car Insurance Coverage Protection
Personal Injury Protection (PIP) – It entails to cover payment for medical expenses and lost income in relation to owning the vehicle.
Medical Payments (MP) – a personal injury protection does not cover for all medical needs in an accident, so for any medical expense not covered by PIP will be taken cared of by the Medical Payments.
Liability Insurance – This one covers the legal liability claims brought against the owner or the driver of the car that caused injury or damage to a third party.
PIP, MP and Legal Liability – These are coverage protections that are all covered under the Comprehensive Insurance coverage. This coverage protects the insured and the one driving the car when the accident happened. If other family members use the same car, include them in your car insurance policy.
GAP Insurance – This protects you from any liabilities that may not be covered by the comprehensive insurance especially when you bought a brand new car.
Hope I’ve answered your questions here. Please feel free to ask questions if you still want to learn more. Happy searching!