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.
Full Coverage Car Insurance Question In Washington
Reader’s Question:
The registered owner of a vehicle is in a nursing home in Federal Way Washington state. The person has full insurance on the vehicle but cannot renew their drivers license. If someone else drives the vehicle with or without the owner in the vehicle, are they still covered?
Will
Federal Way, WA
If the owner of the car gives another person permission to drive their car typically it would be covered under their insurance. But one should always verify with the owner’s insurance provider before borrowing a friend’s car to make sure the policy would not exclude them for any reason.
If someone uses a person’s car without the owner’s permission it is unlikely that the driver would be covered if they get involve in an accident. Most insurance providers could deny a claim since the driver did not have the owner’s consent to be using the car.
Do I Need to Have Proof Of Auto Insurance in Seattle Washington
Reader’s Question:
What will be the fine for driving with insurance but without your proof of insurance card in your car? I live in Seattle, Washington.
Rose
Seattle, WA
If you fail to provide proof of motor vehicle insurance in Seattle Washington, its is a traffic infraction and is subject to penalties as set by the supreme court under RCW 46.63.110. According to RCW 46.63.110 an individual found to have committed a traffic infraction shall be assessed a monetary penalty. No penalty may exceed $250 for each offense but there are other associated fees that may be added to the penalty amount.
So If you drive without proof of insurance in Seattle Washington, it is punishable by a minimum of $250 fine. There are other assessments and fees that can be added to this fine so it typically costs about $450.
So it looks like that with proper documentation that you were insured at the time of your citation for operating a vehicle without insurance then the court should dismiss the ticket and you will only need to pay administrative costs of $25. You may also contact the WA court listed on your ticket to find out what insurance documentation you will need to bring and to make sure that the fee amount has not changed.
Teen Driver Insurance Washington
Reader’s Question:
My daughter just got her license and I would like to know if it is better for her to get her own policy or should she be listed on ours?
Anna
Seattle, Washington (WA)
It is usually less expensive and easier for a newly licensed teenage motorist to be added to their parent’s car insurance policy than to start up their own insurance policy, especially if it is a teen and they do not own their own car. If your daughter does own her own vehicle then she may get her own insurance policy, but if she is a minor than a parent or guardian will need to sign on the contact with her.
If you have not already done so, inform your car insurance provider that your has become licensed. At this time they should be able to inform you if they require you to add her to your insurance policy or how to set up her own policy on her vehicle.
SR22 Auto Insurance Quotes in Washington
Reader question:
I have a policy with SR22 in Washington, and I want to know, is the post-accident procedure any different for SR22 holders? Is there some kind of extra information we need to give?
Marcus
Thanks for asking, Marcus.
No other driver (civilian driver, anyhow) has a right to know about your possession of an SR22 in Washington, and your owning of such should not in any way be involved when you get into a car accident. You just exchange the usual information, such as names, policy numbers, phone numbers, car insurance company names, and so on, so that whoever needs to file a claim with the other’s company can do so, and so that whoever is at fault can get prepared.
In addition to that, whether you have an SR22 in Washington or not, you should also take a couple of other steps after an accident to make sure of the best (or least negative) experience with your claims process. Keep a disposable camera stored in your glove compartment, and when you get in an accident make sure to take pictures of the damage on both cars. This is so that the other driver can’t claim more damage than was actually caused, thus getting you in trouble and in fraud.
You should also look at the witnesses who were around the accident and try to gather their names and phone numbers. In case the fault of the accident is contested, you will be able to refer to them for proof.
Cheers,
fashun Guadarrama.
Washington SR22 Auto Insurance
Q: What is Washington SR22 and what do I have to have for it?
A: A Washington SR22 is required in many situations. For those who go driving uninsured and end up crashing with another car, their license can be revoked when they are unable to produce proof of insurance. More often, a license is suspended for a drunk driving conviction, and this is the most common violation associated with SR22s and one of the main reasons they cost so much.
If you must file a Washington SR22, then you must find a company which will give you a policy first before you get your license unsuspended. Whatever company you find will send a form to your driver’s department every month, so long as you pay your bill, for three years. If they don’t send it along, then your driver’s license will be suspended.
You are required to get the same amount of insurance on a Washington SR22 policy as any other driver in the state, which means you must have $25,000 for bodily injury per person, a total of $50,000 bodily injury per accident, and also $10,000 for property damage. It may be safer for your credit to get higher limits.
I Need Full Coverage Auto Insurance In Washington
Reader’s Question:
Can you please tell me what will be required to get a full coverage of insurance. I live in the state of Washington.
Regine
Thank you for asking Regine.
A full coverage requirement is usually set by your finance company and not by a state. According to the Washington Insurance Commissioner collision and comprehensive may be required by your lender until you have the car completely paid off.
In Washington state, you are required to have car insurance when you drive. If you operate a car that is registered in Washington, you need to have car insurance policy with limits of at least:
* $25,000 of bodily injury or death of one person in any one accident
* $50,000 of bodily injury or death of two or more persons in any one accident
* $10,000 of injury to or destruction of property of others in any accident (property damage)
The Washington state laws require bodily injury and property damage liability insurance. If your car is registered in the state, you must place this in your insurance. If you are financing a car, you are likely to be required to get the full coverage. The state would not require this of you but the lien holder or title holder of the car.
Goodluck!
MariCAR
How Long Do I Have To Carry SR22 Auto Insurance in Washington
Reader’s Question:
I was convicted of moving violation and was required to carry an sr-22. Its been more than three years already? Do I still need to carry it? How do I cancel it?
Tim
Thank you for asking Tim.
It looks like you were required to carry an sr22 or proof of Financial Responsibility in Washington. The sr22 is an Insurance Certificate that you need to carry to reinstate your drivers license after a suspension because of many reasons of moving violations. From the information that you provided, it is true that in this kind of situation, one must carry an insurance for three years.
To get more information if your period for carrying the SR-22 for your driving offense is over already, you may contact the Washington Department of Licensing (DOL) that required you to get the SR-22. They will be able to tell you all the information you need in case your required time period to carry the sr22 is up already.
Goodluck!
MariCAR
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