Car Insurance Washington – Knowing The Basics

2007-03-08 10:33:40

( Insurance )



As in most other states, car insurance Washington D.C. rules require you to have auto insurance cover if you drive or own a vehicle. This requirement is mainly for your own protection: if you should incur liabilities or losses arising from a car accident, the insurance will pay for these obligations first. Your personal assets are thus liable only for amounts in excess of your coverage.

The minimum coverage you have to buy for car insurance Washington is 25,000 dollars for bodily injury per person, 50,000 dollars for bodily injury per accident, and 10,000 dollars for property damage. Auto insurance Washington also requires you to have similar coverage for uninsured motorists.

You will need coverage for uninsured motorists. The risk of accidents related to uninsured drivers may be greater than you think. A state insurance commission study has found that there are at least 28 percent uninsured motorists in most states with large populations. That means at least one out of four motorists you meet on the road may be an uninsured driver. This is another argument for you to steer clear of that other driver.

Car insurance Washington has a higher minimum coverage requirement than neighboring Maryland. Auto insurance in Maryland has lower minimum coverage limits. Maryland auto insurance authorities require all residents to have auto insurance coverage.

If you are not accepted by private Maryland car insurance companies for liability coverage, you may obtain it from the Maryland auto insurance fund – a state-run insurance pool. Although you may have resorted to the Maryland auto insurance fund this year, you can still move out of it in the following years. Insurers are prohibited by law from denying insurance to you, just because for a time you were insured by the Maryland auto insurance fund.

When you shop around for car insurance Washington quotes, you will find slightly different discount packages offered for car insurance Washington and Maryland car insurance. To illustrate, for Washington insurance one company will give you defensive driving discount (if you’re at least 55 years old) and driver training discount (if you have a family member under 21); the same company does not offer you these discounts if you’re buying auto insurance in Maryland.


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