In the state of Washington, it is required for all drivers of any type of motor vehicle to have at least a liability insurance policy in place. This type of policy will cover any damages or injuries that are caused by you in an accident. While having liability insurance in place is required, you may want to obtain additional insurance which the staff at Hart Insurance in Federal Way, WA recommends.
Underinsured/Uninsured Motorist Coverage
Had to have underinsured or uninsured motorist coverage in place in case you were ever involved in an accident that is deemed to be the fault of the other driver and that particular driver has no insurance or not enough insurance to cover the damages that were caused to your vehicle or injuries that you have sustained or those of your passengers.
Comprehensive insurance coverage is very important because it will help you repair or replace your vehicle if it is stolen or damaged due to something like a natural disaster occurring or a fire or act of vandalism. If you still owe money to a lender for your vehicle, more than likely they will require that you have this type of coverage in place to also protect the investment they made in your vehicle.
Collision insurance is great to have in the event you collide with another vehicle or a stationary object. For instance, if you back into someone’s garage door and damage the door, collision insurance would help pay for the damaged garage door.
Call For a Quote Today!
Your policy started or to at least obtain a quote for your auto insurance policy, contact the insurance agents at Hart Insurance in Federal Way, WA.