I just bought a car here in Washington State. What’s my grace period for getting car insurance to avoid getting a penalty?

Jenny

Seattle WA

There’s no grace period for a liability coverage according to the Insurance Commissioner of Washington state. Also, the grace period to adding another vehicle to your insurance policy would be different from one company to another. It is important then to check with your insurer the maximum time required to file or add your newly bought vehicle to your existing policy. Most dealers would often require a physical damage coverage before it leaves the dealership.

If you’re replacing an old car to your policy, most insurers would extend that existing policy to your new car. If you’re adding a new car to your policy, you could inquire whether they would extend your existing policy for a certain amount of time or should you add the new vehicle to your policy with the required coverage.

If you’re just about to get an insurance policy on your car, then it is more practical to give your preferred auto insurance company an update on the type of car you’re planning to buy before it actually leaves the dealership. Request your dealership a fax of the car information to work with your insurer the practical coverage to apply.

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.

I just have one simple question. I’m from East Seattle Washington WA, why should I bother with auto insurance?

Jeremy

East Seattle WA

Good question, Jeremy, and actually one that we all have to be educated in. There are three general reasons why you should bother with auto insurance. First, it is required by the Department of Motor Vehicles when you register your car. You will be required a minimum liability coverage while other auto insurance coverage are optional. Of course, you can always upgrade your auto insurance when you are more financially capable. To get an idea of how much liability insurance and other auto insurance costs in East Seattle Washington WA, you can try making use of the space provided on this page. Just enter your zip code, answer a couple of questions and you will get several quotes in minutes.

If you have purchased your car from an auto loan, you will also be required to have auto insurance. the last reason, which can be the most important, is that auto insurance protects you from having to spend tremendous amount of money in cases of auto or vehicular accidents causing bodily harm or damages to the car. And depending on the kind of auto insurance you will get in East Seattle Washington WA, you will even be protected from hail, fire, theft, vandalism and any incidents which you have totally no control over.

Tags: auto insurance, Car Insurance Company

Can you tell me the sort of coverage which will come with my Washington state SR22 auto insurance policy, if I buy just the minimum amount?

Jacob

Glad you asked, Jacob.

Washington state SR22 insurance can be bought with a fairly small amount of coverage, at least compared to a few other states. Since Washington is an at fault car insurance state, all you need to purchase to meet the minimum requirements of the auto insurance laws is liability coverage. Liability coverage includes property and injury liability. The property liability is the coverage for those damages made by the person who is found at fault for the accident (if said person is you), while the injury liability is for the injuries of the driver/passengers of the vehicle found not to be at fault, but not for the drivers or passengers of the at fault vehicle.

In Washington state SR22 policies, you must have the following amounts of each one of these:

• A $50,000 injury liability limit per crash, with $25,000 alotted to each person.
• $10,000 in property damage liability.

Cheers,

Fashun Guadarrama.