washington insurance quick info

What to Know and What to Buy. Insurance in Washington State:

Get our book, “The Truth About Buying Washington Auto Insurance” completely free!

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in-sur-ance noun the act, system, or business of insuring property, life, one's person, etc., against loss or harm arising in specified contingencies, as fire, accident, death, disablement, or the like, in consideration of a payment proportionate to the risk involved.

What is Insurance?




Not for the little stuff. You need it when things go wrong.

Why do I need car insurance?



Really wrong.



After a car accident, the medical bills are going to start piling up, and

you may not be able to work.



If you were able to handle these bills on your own, you wouldn’t need insurance. And you can’t rely on others to

have insurance—an estimated 20% of Washington drivers are without insurance.



Buy Insurance!

Don’t trust the insurance company to encourage you to get the best coverage. The better coverage you have, the more they will have to pay, and at the end of the day insurance is a business whose number one goal is to make money. Less money for you means more money for them.



There are three types of insurance you should have:

Liability This is to protect your assets if you should ever cause an accident. The

insurance company will pay up to the limits of your coverage for damages caused. (This is the only kind required by law.)




Personal Injury Protection (PIP) Regardless of whose fault the accident is, PIP will cover the cost of

the medical bills related to your accident.




Underinsured/Uninsured Motorist Coverage This will protect you in the event that you incur any damage from a

driver who has little or no insurance. Your company will cover you up to the limit you have paid for.



Unfortunately, the required legal minimum is not going to do much to help you in the case of an accident. The last thing you need after an accident is to be thousands of dollars in debt.

You should buy all the insurance coverage you can afford.



It might not be as expensive as you think. Raising Geico coverage from $25,000 to $250,000 cost just $350 a year.

The same change for Progressive is $400 a year. Increasing coverage with State Farm from $25,000 to $500,000

was also just $400 a year.

It’s worth it to call your insurance company and ask for a quote, to find

out how much insurance you can buy.



And should you ever need to use your insurance, remember that your insurance

company is not on your side.

Their number one goal is not to help you, it’s to make money. Get our free book below to avoid common mistakes when purchasing

insurance, so you’ll be prepared if the worst happens.
