Driving in Seattle Requires Washington Liability Insurance

Driving around Seattle can be great fun, but you want to make sure you’re properly insured with at least the minimum liability coverage required by Washington State:

• $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)

If you are at fault in an accident, this insurance pays for other parties’ loss of property, medical care for injuries, and other related expenses. That way, you are not paying out of pocket, which could empty your savings or even bankrupt you.

We sometimes recommend more than the minimum liability coverage for our clients in Seattle. If you have a teen driver, have a high net worth, or drive a lot on routes with high accident rates, like Highway 99 or Downtown, it makes sense to have higher liability coverage.

Full Coverage Offers Greater Protection

You can get more protection by selecting full coverage auto insurance. In addition to liability insurance, full coverage includes collision and comprehensive coverage.

• Collision insurance – It pays for the repair or replacement of your vehicle when you are at fault in an accident or hit by an unknown driver.
• Comprehensive insurance – It covers loss or damage due to theft, vandalism, fire, storms, and many natural disasters.

If you don’t have full coverage, you could be on the hook financially after an accident. Collision and comprehensive insurance make sure you aren’t left without the vital transportation you need to commute to work or school and to live your daily life.

If you finance your vehicle, you will likely be required to carry full coverage. But even if it’s not mandated, it’s a worthwhile expense given the number of vehicles, pedestrians, and cyclists on the road in Seattle, not to mention the streetcars, steep hills, and variable weather we see here.

Personalized Service From Our Independent Agents

The independent agents at Spangler Insurance can give you the personalized service you won’t find elsewhere. We also have a larger menu of insurance options for you than you get with big, impersonal companies.

We’re here to help you find the coverage you need within your budget. We can also work with you to make sure you get the right policy when it comes to balancing your premium with your deductible.

Call us with your questions at 206-329-7447 today. Or, for your convenience, you can start a quote any time online.

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