1212 N Washington St, Suite 20
Spokane, WA 99201
In the state of Washington, you are required to carry liability insurance. The limits for this must be $50,000 for injuries to multiple people and $10,000 for property damage liability. If you don’t want to have liability insurance, there are other ways to prove financial responsibility. However, liability insurance is the most common way to accomplish this. Bodily injury liability covers injuries that you cause to someone else. This policy will cover you and family members listed in the policy when you drive someone else's car. Property damage liability helps pay for damages that you cause to another car or property, which can include fences and utility poles. Liability insurance won’t cover your injuries or car damages.
Collision coverage can pay for any repairs to your vehicle after an accident in Spokane, WA. Comprehensive coverage can pay for any repairs to your vehicle if it is damaged by some other event, such as weather or vandalism. If your car is older and not worth much, then you may not need these coverage options. Personal injury protection (PIP) can be added to your policy to help pay for wage loss, medical and hospital expenses, loss of services, or funeral expenses. PIP will apply no matter who is at fault, but there are some situations where it doesn’t apply. While you aren’t required to buy PIP insurance, insurers in Washington must offer it. The state must also offer underinsured and uninsured motorist coverage to help offset costs if a driver without insurance hits you. Gap car insurance can be useful if you still owe money on your loan or lease. Collision coverage will only pay the current actual cash value of the car and won’t cover any money you still owe on your own. However, with gap coverage, this can help offset what is owed. An agent at Western Insurance Associates can help you determine which coverage is best for your needs.
Contact Western Insurance Associates, serving Spokane, WA, along with Fairfield and Rosalia.