Washington Car Insurance Laws
Under Washington State's Revised Code, title 46, drivers of motor vehicles must carry liability automobile insurance. State law defines how much insurance a driver must have and offers options for car owners to meet the requirement. Vehicle owners must provide proof of coverage to register their vehicles and can face fines and points on their driving record if they fail to comply with the law.
Other People Are Reading
-
Mandatory Limits
-
Washington law gives automobile owners four options for meeting the liability insurance requirement. Owners can purchase a liability automobile insurance policy. The policy must provide minimum coverages, including: $25,000 for the death or bodily injury of one person in a single accident; $50,000 for the death or bodily injury of two people in a single accident; and $10,000 to cover damage to the property of another person. Qualified individuals or businesses that own at least 26 vehicles can choose to self-insure. Car owners can purchase a certificate of deposit for a minimum or $60,000, which they must deposit with a bank or the State Treasurer as collateral in the event of an accident. Drivers also have the option of obtaining a liability bond for a minimum of $60,000, which they must file with a surety bond company.
Proof of Insurance
-
In addition to purchasing liability coverage, Washington State car owners must also provide proof of insurance. When a car owner purchases a new insurance policy or renews her existing coverage, her insurance company provides proof that the vehicle is covered. Drivers must provide proof of insurance to register their vehicles and must carry it in their vehicles to show to law enforcement officials when requested. The proof of insurance document must include the name of the coverage provider, beginning date of coverage, policy number, expiration date of the policy and a description of the covered vehicle.
-
Exceptions
-
Washington State does not require liability insurance coverage for all types of vehicles. Vehicles such as motorcycles, mopeds and motor-driven cycles do not require insurance. Antique automobiles and collector cars over 30 years of age do not require liability coverage. State-owned vehicles, Transportation Commission automobiles and Washington Utilities vehicles also do not require mandatory coverage.
Penalties
-
Car owners who do not comply with Washington insurance laws face fines and points on their driving records. The state imposes a minimum $250 fine for failing to carry insurance. Penalties often include additional fees, such as failing to provide proof of insurance which increases the fine to approximately $450. Drivers who offer falsified proof of insurance can face misdemeanor charges. The law can also require the car owner to attend a public safety course.
-
References
Resources
- Photo Credit Coche accidentado image by quicolopez from Fotolia.com
