Auto Insurance

Washington State Requires Liability Insurance

In order to register and operate a motor vehicle in the state of Washington, you must carry at least the required liability insurance as follows:

$25,000 bodily liability coverage per person
$50,000 bodily injury coverage per accident
$10,000 property damage liability per accident
$10,000 underinsured property damage
$10,000 basic personal injury protection (PIP)

This protects other motorists if you are at fault in an accident, and it protects you as well. Without insurance, you could lose your savings, retirement accounts, business assets, or your home to pay legal damages if you are responsible for someone else’s property loss, injury, disability, or death.

Keep in mind that these are the necessary minimums for liability coverage. You can always add more liability protection, which we often recommend for households with teen drivers and for high-net-worth individuals.

What Is Full Coverage?

Most of our clients elect to purchase full auto insurance coverage. This not only includes liability insurance but collision and comprehensive, too. Collision insurance pays for the repair or replacement of your vehicle if you are at fault in an accident or if your vehicle is damaged in a hit-and-run situation.

Without collision insurance, you could be saddled with huge repair expenses, potentially leaving you without your car or truck if you can’t afford the work. Collision insurance lets you get back to your regular routine faster and without worry when you rely on your vehicle for work, school, errands, family activities, and other essentials.

Comprehensive insurance protects your vehicle from other types of damage or loss, such as fire, vandalism, theft, and many kinds of natural disasters and storms.

Our Independent Agents

When you partner with Spangler Insurance for your auto insurance, you get the benefit of the personalized service and huge array of insurance products that come with independent agents. We work with every customer to find the ideal coverage for their budget, with the right balance of premium and deductible.

To learn more, call us at 206-329-7447 today. Or, if you’re ready to start a quote, reach out online, so you can drive with confidence in the Evergreen State.