Auto Insurance Liability Coverage Washington
Reader’s Question:
I know that my auto insurance company will take care of me when I meet an accident, and that they’ll also take care of the damages to the occupants of the other car, too. However, what would happen if the other driver sues me? Would my auto insurance policy cover this? I have liability coverage
Kevin
Seattle, WA
Kevin, if you have liability insurance coverage, then your insurance policy will cover the damages done by the accident which you caused. If you did not cause the accident, then the other guy’s insurance policy will cover the damages. If the other driver guy decides to go to court, then your liability insurance coverage will still take care of your fees.
Liability insurance covers the expenses that the legal battle that results from the accident will cause. If you get sued in Washington, your auto insurance company will defend you in court. Be rest assured that your auto insurance company will hire a competent lawyer to defend you in court. The insurance will do its best to find a very good lawyer to represent you as the auto insurance company is also obligated to handle the legal payouts if ever the insured party loses the legal battle.
If you lose in court, the auto insurance company will pay for the fines/payments imposed by the court. It is because of this nature of liability insurance coverage that makes this crucial to motorists and even other professionals such as doctors and businessmen. Liability insurance coverage takes care of you when you figure in an accident, it also takes care of the other people who were affected by the accident and it takes care of you even after the accident.
Beginner Driver Auto Insurance Washington
Reader’s Question:
I’m a beginner driver, and I just got my driver’s permit a couple months back here in Washington. Last night, I was driving home from my part-time job. I didn’t see a kid that was on his trike till it was almost too late. The kid’s okay, but I crashed the car into someone’s mailbox. Will I have to pay for the guy’s mailbox myself, or will the auto insurance company cover this? I’m not insured, but hoping I can use my parents’ auto insurance.
Leo
Bellingham, WA
Oh, well, they say there’s always a first time for everyone. It’s a really great thing that you had the presence of mind to avoid hitting the kid even if you are just a beginner driver. He must have been so scared when he realized what happened!
Of course, hitting some guy’s mailbox instead isn’t the best way to go. And you will be expected to repair anything that you damage. I suggest you tell your parents about it and help them get in touch with their auto insurance provider in Washington. In general, you do not need your own auto insurance as you do not have your own license yet and you do not have your own vehicle, as well. So you should be covered under your parent’s auto insurance since you were driving their vehicle. However, some auto insurance companies require their policy holders to have all people driving the vehicle listed in the policy. Also, most states in the USA require different amount of liability insurance, so if your parents have this, then this should be able to cover the cost of the repair for the mailbox. The thing is if they only got liability insurance, then you can repair the mailbox but not the damages on the car. So, check to see if they also got collision insurance as this part will shell out the cash for repairs to the vehicle. Otherwise, I hope your job pays you more than enough because you’ll be the one paying for repairs to the car. Next time, please drive safely and keep your eyes on the road.
Will My Full Coverage Car Insurance Policy Cover All Vehicles I Drive?
Reader’s Question:
I currently have full coverage on my vehicle and I went to test drive another vehicle that is not covered. My question is, will my insurance cover it if I were to have an accident? I live in Everett, Washington.
Liv
Everett, WA
Typically this would not be covered under your auto insurance policy in Everett, Washington.
This would be covered under the used car’s owners policy or used car dealer’s policy.
Most auto dealers will have full insurance coverage on your insurance policy, which is called a garage policy. If you sign something taking responsibility for the damages then you would be responsible for those damages. It’s up to you to reject or accept the offer of a test drive based on your knowledge of potential liability.
Can Washington State College Student Use Auto Insurance Out Of State?
Reader’s Question:
My son is in college in the state of Massachusetts but has a Washington state driver’s license. He is planning to buy a car but still undecided where to make her permanent address. He wants to get a policy also and still planning to stay in MA for 5 months. What can he do?
Lara
Thank you for asking Lara.
If your son is going to purchase a motor vehicle, he needs to have it registered and drive it in Massachusetts then she should get a MA car insurance policy to cover the motor vehicle. If she moves to another state after 5 months then she can register and insure the vehicle in her new state of residency.
Your son can also obtain information on how to register a motor vehicle in Massachusetts by contacting the MA Registry of Motor Vehicles. In addition to that, he may also get information from the RMV if she will need to switch her Washington State license for a Massachusetts driver’s license after she graduates from college since he may then be considered a resident of MA.
Goodluck!
MariCAR
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