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Washington Car Insurance Requirements

If you drive a vehicle that is registered in the state of Washington, you have to carry liability insurance that meets the minimum state standards. Failure to comply with the insurance requirement results in a fine of at least $450. The statutory minimums for auto insurance are as follows:

  • $25,000 of bodily injury or death of one person in any one accident
  • $50,000 of bodily injury or death of any two people in any one accident
  • $10,000 of injury to or destruction of property of others in any one accident

We cannot emphasize enough that these are legal minimums, not optimal levels of coverage. In today’s world, $25,000 to cover medical bills and other losses for a serious injury is woefully inadequate. If you found yourself in a situation where you are liable for two major injuries, not to mention the total destruction of a late-model car, the amount of damages you would have to pay would exceed your policy limits, exposing your savings and other assets. A prudent driver, especially one who has a home or business to protect, should carry much higher levels.

Now, imagine you’re on the other side of a catastrophic accident and you discover that the at-fault driver only carries the statutory minimum. Worse yet, the driver might have no insurance at all. The Insurance Research Institute estimates that 16 percent of Washington drivers are uninsured — the 10th highest state level — so your chances would be about one in six of drawing an uninsured motorist. How will you recover for your accident? You could sue the driver, but drivers who can’t afford to buy insurance usually don’t have many assets to attach in a lawsuit.

This is where uninsured motorist coverage comes in. As a rider to your own auto insurance policy, you can purchase additional coverage. If you get into an accident with an uninsured motorist, your own insurance company will cover your losses.

Insurance plays a paramount roll in auto accident litigation, but insurance companies can be very difficult for the average person to deal with. If you’ve been injured in a car accident, Rush, Hannula, Harkins & Kyler, L.L.P. can help. For a free consultation, call us today at 253.250.4516 or contact our office online.

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Case Results
  • "Client was disabled from working in prior profession after sustaining a severe closed head injury and brain trauma in an automobile accident on Interstate 5. $7,845,000. "

  • "Pedestrian client was struck by semi-truck, and the trailer wheels rolled over client’s body causing severe injury. $1,145,000. "

  • "Client was involved in a head-on collision when a bus crossed the center line. Client suffered a severe closed head injury preventing him from returning to his previous employment. $884,998. "

  • "Client was involved in serious head-on collision with uninsured motorist while on-the-job, resulting in physical injury and posttraumatic stress disorder. Client can no longer work as a commercial truck driver. $708,000. "

  • "Client was a rear seat passenger in a vehicle that was involved in an automobile accident. Client was severely injured as the result of a defective seatbelt, while the other three occupants of the vehicle sustained only minor injuries. $650,000. "

  • "Client was killed in automobile accident caused by defendant’s failure to yield the right-of-way. $650,000. "

  • "Minor client was on his way to school and was struck by a vehicle while crossing the street in a marked crosswalk. Defendant driver had pulled into oncoming lane to pass another vehicle and struck client, causing serious injuries. $500,000. "

  • "Client was killed as a result of an in-cab fuel tank, which caught fire after an automobile accident. $350,000. "

  • "Client riding a bicycle was struck by a motorist who failed to yield the right-of-way. Client sustained numerous injuries, including a closed head injury. $120,000. "

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Testimonials
  • "“I have been a client of Dan Kyler’s since 1996. Having had numerous car accidents, I rely upon Rush, Hannula, Harkins & Kyler to help me through them. The most obscure questions have been answered and help is given on all levels. Thanks.”"

  • "“John Wilson demonstrated his professionalism by keeping us current on our case, explaining our options, giving us realistic expectations and demonstrating the highest level of ethics and integrity beyond reproach. We have the highest confidence that we were well represented.”"

  • "“Dan Hannula’s hard work helped to settle my auto accident case.” "

  • "“Having a motorcycle accident was bad enough, let alone dealing with insurance companies. John Wilson and his staff made everything easy to understand and hassle free.” "

  • "“I am extremely satisfied with the service I experienced with this firm and I would recommend them to anyone that needs legal representation. Michael Fisher and his staff are great people.” "

  • "“Vern Harkins perseverance and hard work made it possible to get the maximum settlement from the insurance company. I know he had my interest in mind as demonstrated by his actions.” "

  • "“The office staff were courteous, pleasant and kept me informed as to what was going on throughout the whole ordeal.” "

  • "“Molly Crowley is a very professional and knowledgeable lawyer. I felt I was very well represented!!” "

  • "“Molly Crowley was knowledgeable, kept me informed every step of the way and just did a great job!” "

  • "We got a fair settlement and were treated with respect and dignity throughout the whole process. -Blake W. "

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