Washington Auto Insurance Minimums: $25,000/$50,000/$10,000 in Liability Coverage
Washington's auto liability minimums are $25,000/$50,000/$10,000. Those floors are the legal minimum, not a recommendation after a serious crash.
Washington · Insurance
Insurance: P&C
Property and casualty: home, auto, flood and wind coverage. Washington articles from the regional hub.
Articles
Earthquake Insurance Is Not in a Standard Washington Homeowners Policy
Washington homeowners and renters policies typically exclude earthquake. Separate coverage often carries a 10% to 25% deductible and may not pay for flood or tsunami even if a quake causes them.
Flood Insurance Is Not in a Standard Washington Homeowners Policy, and NFIP Coverage Usually Has a 30-Day Wait
Standard homeowners and renters policies in Washington do not cover flood. An NFIP policy usually has a 30-day wait, unless it is required for a mortgage.
How to File an Insurance Complaint with Washington's Office of the Insurance Commissioner
The Washington OIC will send your insurance complaint to the company and ask for a response, usually within 15 business days. Call 800-562-6900 or file online.
Washington Underinsured Motorist Coverage: It's on Your Auto Policy Unless You Reject It in Writing
Washington's underinsured motorist coverage also applies to uninsured, hit-and-run, and phantom vehicles. It comes with the policy unless a named insured or spouse rejects it in writing.
Washington's FAIR Plan: Last-Resort Property Insurance When You Cannot Find a Homeowners Policy
Washington's FAIR Plan is last-resort basic fire coverage when the standard market will not write a policy. Limits cap at $1.5 million per location, without liability or theft.
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