Washington auto insurance law offers drivers the opportunity to purchase protection against uninsured motorists with uninsured motorist property damage coverage. You automatically have uninsured motorist coverage for your bodily injuries with Washington auto insurance law, but not coverage for damage to your vehicle. Here are a few things that you should know about Washington auto insurance and uninsured motorist property damage coverage.

(1) Washington auto insurance law gives you the opportunity to repair under your uninsured motorist property damage coverage whether the other vehicle is identified or not. If the vehicle is identified, your deductible is $100, if the vehicle is not identified the deductible is $300.

(2) Washington auto insurance law does require that you make impact with the uninsured vehicle; however you do not need to file an accident report to qualify. Washington auto insurance law requires that the report be filed within 72 hours of the accident.

(3) It is imperative that you understand that most Washington auto insurance policies do not automatically include UMPD. You must inform your agent that you want the coverage and your agent will make it an “endorsement” to your coverage.

(4) Finally, if you can identify the owner of the other vehicle without the aid of a police report, you don’t need the report to qualify for UMPD. However, if your accident involves a phantom vehicle you must file an accident report in accordance with Washington auto insurance law.

Washington auto insurance liability limits are set, like any other state, to insure that regardless of who you may get in an accident with, they have the coverage to pay for your damages if they are negligent. Those who don’t adhere to the Washington auto insurance liability laws are subject to legal action, including being sued for damages. Below is the Washington auto insurance liability limits with a brief summary of what each means.

All liability limits with Washington auto insurance or any other auto insurance are listed in BIPD format, separated with slashes, like 25/50/10. Washington auto insurance does demand minimum liability limits of 25/50/10, meaning:

Bodily Injury limits of $25,000 and $50,000 refer to how much you could expect from your auto insurance company to pay for another vehicle’s damage that you caused. If you caused an accident your auto insurance company would pay for up to $25,000 for injuries to one person in another vehicle, up to $50,000 for all passengers in that vehicle.

Property Damage liability limit of $10,000 means that your auto insurance company would pay for up to $10,000 in damages to the vehicles you damaged in an auto accident.

Washington auto insurance law demands that you hold at least these limits for your vehicle, but for the price it is worth it to go a little higher. Vehicles and medical bills are more than ever these days and you don’t want to be in a bind.