Auto

Auto liability coverage is mandatory in Washington State. Drivers are legally required to purchase at least the minimum amount of liability coverage set by state law. Liability coverage has two components:

• Bodily injury liability may help pay for costs related to another person's injuries if you cause an accident.
• Property damage liability may help pay for damage you cause to another person's property while driving.

If you are hit by a driver who doesn't have insurance, underinsured motorist coverage will help pay for your medical bills or repairs to your vehicle.

If you're hit by an underinsured driver, that means they have car insurance but their liability limits aren't enough to cover your resulting medical bills or vehicle damage. That's where underinsured motorist coverage can help. 

Comprehensive can help cover damage to your car from things like a broken windshield, hitting an animal, theft, fire, hail or vandalism. If your car is damaged by a covered peril, comprehensive coverage will help pay to repair or replace your vehicle (up to the vehicle's actual cash value). This coverage has a deductible, which is the amount you'll pay out of pocket before your insurer reimburses you for a covered claim.

Personal injury protection, or PIP, will help pay for your medical expenses after an accident. In addition, PIP can also help cover other expenses incurred because of your injuries — for example, childcare expenses or lost income.

If you are involved in an accident with another vehicle, or if you hit an object such as a fence, collision coverage will help pay to repair or replace your car (up to its actual cash value and minus your deductible).

Collision coverage is optional. It may be required, however, by your vehicle's leaseholder or lender.