Why should you purchase automobile insurance?<\/p>\n
First, because the State requires it.\u00a0 All drivers in Washington must carry at least $25,000 in liability insurance coverage.\u00a0 If the police stop you and determine that you do not have liability insurance, you may receive a ticket and be required to pay a fine.\u00a0 If you are in a collision and the police determine that you do not have liability insurance, you may lose your driver\u2019s license!<\/p>\n
Second, because you need to protect yourself.\u00a0 There are many types of insurance that you may buy to protect yourself and your family if you are injured.\u00a0 See the sections on Personal Injury Protection (PIP) and Underinsured Motorist Insurance (UIM) for helpful tips about these coverages and the amounts to purchase.<\/p>\n
So, how much liability insurance should you purchase?\u00a0 We believe you should have at least $100,000 in liability insurance limits.\u00a0 If you have a job, a home, a retirement fund, or other assets, you should probably purchase more insurance so that you avoid having to pay money out of your own pocket if you cause a serious collision.<\/p>\n
There are also other types of insurance coverage that you can buy.\u00a0 The most common is \u201ccollision\u201d insurance.\u00a0 \u201cCollision\u201d coverage provides benefits if your car is damaged in a collision.\u00a0 If you don\u2019t have this type of insurance and your car is struck by someone who doesn\u2019t have insurance, you will not receive money to repair your car.\u00a0 One thing to keep in mind is that collision coverage pays you only for what your car was worth when it was damaged.\u00a0 It does not pay you to replace your car.\u00a0 In other words, if your beloved Honda Accord was 10 years old, its value may be only $5,000.\u00a0 That is the amount of money you will receive if your car is \u201ctotaled\u201d (subject to deductibles, of course), regardless of how much it will cost you to replace your car.\u00a0 Talk to your insurance agent and make sure that you have enough coverage and the right kind of coverage for your car.<\/p>\n
Rental car coverage is important, especially if you don\u2019t have a second car.\u00a0 If your car is damaged and needs to be repaired, you can often use your rental car coverage.\u00a0 If the person who caused the damage doesn\u2019t have insurance, you will need to use your own rental car coverage because no one else will provide you with a rental car.<\/p>\n
Automobile insurance is important.\u00a0 It is required.\u00a0 It is the law.\u00a0 Make sure that you have the right kinds \u2013 and the right amounts \u2013 of insurance coverage.\u00a0 Talk to your insurance agent today.<\/p>\n
The attorneys at Nelson Boyd have over 50 years of combined legal experience in representing injured people and fighting insurance companies.\u00a0 If you have been injured, if you have an insurance claim, or if you just have questions about insurance coverage, please contact us at (206) 971-7601<\/strong>.\u00a0 Nelson Boyd \u2013 We Care.\u00a0 We Can Help.\u00a0 www.nelsonboydlaw.com<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":4,"featured_media":1924,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[109],"tags":[189,26],"acf":[],"_links":{"self":[{"href":"https:\/\/www.nelsonboydlaw.com\/blog\/wp-json\/wp\/v2\/posts\/1120"}],"collection":[{"href":"https:\/\/www.nelsonboydlaw.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.nelsonboydlaw.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.nelsonboydlaw.com\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nelsonboydlaw.com\/blog\/wp-json\/wp\/v2\/comments?post=1120"}],"version-history":[{"count":6,"href":"https:\/\/www.nelsonboydlaw.com\/blog\/wp-json\/wp\/v2\/posts\/1120\/revisions"}],"predecessor-version":[{"id":3237,"href":"https:\/\/www.nelsonboydlaw.com\/blog\/wp-json\/wp\/v2\/posts\/1120\/revisions\/3237"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.nelsonboydlaw.com\/blog\/wp-json\/wp\/v2\/media\/1924"}],"wp:attachment":[{"href":"https:\/\/www.nelsonboydlaw.com\/blog\/wp-json\/wp\/v2\/media?parent=1120"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nelsonboydlaw.com\/blog\/wp-json\/wp\/v2\/categories?post=1120"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nelsonboydlaw.com\/blog\/wp-json\/wp\/v2\/tags?post=1120"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}