Washington Auto Insurance
The value of good auto insurance often doesn't become apparent until you
really need it. Whether it's a minor fender bender or a more substantial
accident, it pays to have insurance coverage you can count on.
Let one of our experienced Washington auto insurance policy specialists
explain the different Liability limits, Comprehensive, Collision, Personal Injury
Protection, Uninsured Motorist, Medical coverages, and deductibles that are
available for you to choose from. We offer affordable truck and car insurance
policies from leader insurance companies serving Washington.
Learn more about Washington Auto Insurance
coverage options below!
Click on the link below to fill out a quote request form for an Auto Insurance
policy that will provide excellent auto insurance coverage at an affordable
cost. Or you can speak with our Washington Auto Insurance agent
specialist at 888-202-9921 to discuss the features.
Covers damage caused to the owners car from a collision caused by another car or other
object. The deductible is the amount you choose to pay upfront (if any) before the auto
insurance policy pays. The higher the deductible chosen the lower the collision coverage
cost within the Washington auto insurance policy.
Washington Auto Insurance FAQ
Click on the link below to fill out a quote request form for an Washington Auto Insurance
policy that will provide excellent car and truck insurance coverage at an affordable cost. Or
you can speak with our Washington Auto Insurance agent specialist at 888-202-9921 to
discuss the features.
We are a local Seattle, Washington area insurance agency, offering affordable auto
insurance policy premiums and comprehensive insurance services to residents of the
following cities and counties: Mill Creek, Lynnwood, Alderwood Manor, Mountlake Terrace,
Brier, Lake Forest Park, Sheridan Beach, Woodinville, Hollywood, Woodway, Bothell,
Maltby, Clearview, Monroe, Cathcart, Snohomish, Everett, Lake Stevens, Redmond,
Yarrow Point, Clyde Hill, Medina, Mercer Island, Eastgate, Hazelwood, Kirkland, Shoreline,
Edmonds, Mukilteo, Marysville, Tulalip, Bellevue, Sammamish, Bremerton, Renton,
Fairwood, Coalfield, Bryn Mawr, Skyway, Newcastle, White Center, SeaTac, Issaquah,
Riverton Heights, Tukwila, Normandy Park, Kent, Des Moines, Federal Way, Auburn,
Tacoma, Burien, Kingston, Port Gamble, Hansville, Sultan, Startup, Gold Bar, Bainbridge
Island, Port Blakely, South Beach, Kitsap County, Snohomish County, Pierce County, and
King County, WA.
Covers damage caused to the insured's car (your car) from risks such as theft, fire,
falling objects, earthquake, flood, missiles, explosion, riot and civil unrest. The
deductible is the amount you choose to pay upfront (if any) before the auto insurance
policy pays. The higher the deductible chosen the lower the comprehensive coverage
cost within the Washington auto insurance policy.
Bodily Injury Liability
Injuries that you (insured) cause to someone else is covered under this part of a auto
insurance policy. The minimum liability insurance coverage available for purchase in
Washington is 25/50 and is explained in detail below. However, we recommend that
you choose liability insurance coverage amounts that are much higher than the
minimums listed below. Contact us at 888-202-9921 to discuss what liability coverage
amounts you require to meet your family and personal needs.
Washington Liability Coverage limits explanation:
25/50/10 25=$25,000 - 50=$50,000 - 10=$10,000
First number = bodily injury liability maximum for one person injured in an accident.
Second number = bodily injury liability maximum for all injuries in one accident.
Third number = property damage liability maximum for one accident.
Damage caused by the insured (you) to someone else's property, such as a
motorcycle, car, truck, fence, or house, is covered through property damage auto
insurance coverage. This coverage also assists in protecting you if a lawsuit arises
from an accident. The minimum coverage amount in Washington is $10,000.
Medical payments coverage pays for the medical and funeral expenses for you or
others hurt or killed in an accident while riding in or driving your car or truck. Claims
against this coverage include all reasonable hospital, surgical, chiropractor, X-ray,
dental, professional nursing, prosthetic, and funeral expenses. It will also cover you or
members of your family if you are hit by a car when you are walking or if you are riding
in another car or truck. This coverage will pay for your medical and funeral expenses
even if you cause the accident. The coverage is often limited to medical care you get in
the first one, two, or three years after the accident and is limited to a specific dollar
amount. This is a required Auto Insurance coverage in Washington.
This coverage pays medical bills for injuries suffered in a motorcycle accident
regardless of who caused the accident. Washington does not require "No Fault"
coverage for auto insurance.
Benefits Provided Include:
Pays 80% of all reasonable expenses for necessary medical, surgical, x-ray,
dental and rehabilitative services, including prosthetic devices, wheelchairs,
crutches, slings, neck braces and splints (including necessary travel related to
medical care.)
Necessary remedial treatment (nursing home care or home nursing care).

Pays 60% of gross income loss caused by inability to work because of an
injury suffered in an accident.

$5,000 death benefit
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an at-
fault driver who has no auto liability insurance. This is not a required Auto Insurance
coverage in Washington. Contact us at 888-202-9921 to discuss what uninsured
coverage amounts you require to meet your family and personal needs.
Example of uninsured motorist limits:
25/50 25=$25,000 - 50=$50,000
First number = uninsured motorist maximum for one person injured in an
accident.
Second number = uninsured motorist maximum for all injuries in one accident.

This coverage comes into play when an at-fault driver has auto or motorcycle liability
insurance, but the limit of insurance is inadequate to pay for your damages.
Underinsured Motorist Bodily Injury Coverage
This type of auto insurance coverage pays for your medical expenses, lost wages,
and other damages when you or your passengers are injured in an accident caused
by a driver who has insufficient auto or motorcycle insurance coverage. The auto
insurance coverage typically pays the difference between the coverage limit you
select and the other driver's bodily injury coverage limit. This is not a required auto
insurance coverage in Washington.
Underinsured Motorist Property Damage Coverage
Protects you if your car is damaged in an accident caused by a driver who has
insufficient auto insurance coverage. This coverage pays the difference between
the coverage limit you select and the other driver's property damage coverage
limit. This is not a required coverage in Washington.
Washington Auto Insurance FAQ
Washington Auto Insurance FAQ
Washington Auto Insurance FAQ
Property Damage Liability
Washington Auto Insurance FAQ
Washington Auto Insurance FAQ
Washington Auto Insurance FAQ
Click on the link below to fill out a quote request form for an Washington Auto
Insurance policy that will provide excellent car and truck insurance coverage at an
affordable cost. Or you can speak with our Washington Auto Insurance specialist at
888-202-9921 to discuss the features.
**The information, pictures, and other content in this website about particular insurance services is
only provided for informational purposes. Any decisions regarding your insurance needs should be
discussed with a licensed insurance agent.
Having a teenager included on your auto insurance policy will always cost substantially more,
but there are ways to reduce the premium increase.
The best cars for teen drivers are slower, bigger cars with a lot of safety features. Teenager's
are more prone to accidents, especially ones caused by speeding. A disproportionate number
of teenage car accidents involve only one vehicle.
Make sure your teen drives safely. One speeding ticket or fender-bender can send your
teenager's auto insurance rates sky high. Require that they take a drivers education class at
their high school or local DMV.
Good student teen driver insurance rates can save up to 25% on your teenager's auto
insurance if a "B" average is maintained.
Assuming your teen keeps a good driving record, the cost of insuring them will decrease as
they get older.
Auto Insurance endorsements are policy extras for services such as towing insurance,
auto glass insurance, daily rental insurance, and emergency roadside insurance.
These auto insurance policies are not required by any state, but many drivers choose
these services for the added security and convenience they provide.
Rental Car Insurance
Covers the cost of a rental car while your insured car is being repaired because of a
covered event.
Emergency Roadside Insurance
Covers repairs done at the location of your automobile problem (roadside). This policy is
often combined with auto towing coverage and called Roadside Emergency Towing
Insurance. Changing a flat tire on the roadside may also be covered, but you will need to
pay for repairs received at the garage or other repair location.
Auto Glass Insurance
Offers a lower deductible or no deductible for when repairing any broken window on your
car is required.
Auto Towing Insurance
Covers costs involved for towing your car anytime you need it.
What information is listed in the actual auto insurance policy that you are given by the
insurance agent? Learn about the different important sections in every auto insurance policy
below.
Declarations
Usually listed first in your auto insurance policy and unlike the remainder of your policy, it
will have been prepared especially for you. It will list the specific auto insurance coverages
and amounts that you've chosen.
year, make,and model of your car
VIN - vehicle identification number
date the policy is effective
policy's coverage types and limits
policy's cost - premium
name of the insured (you or you and your spouse)
Insuring Agreement
Lists exactly what the insurance company promises to provide in return for the payment
of your auto insurance premium. The type and amounts of each coverage you've
purchased is described in detail and also outlines exactly who is covered under each
provision.
Exclusions
The insurance policy exclusions section is a list of all possible circumstances that would
free the insurance company from the responsibility of paying a claim.
Example: most auto insurance contain an exclusion that exempts the
insurance company from having to pay in the case of intentionally caused
damage or injury.
Conditions
Lists the duties and responsibilities of the insured (You) in the event of a claim situation.
Will include guidelines for contacting the insurance company, obtaining a police report,
and filing a claim. Information on auto insurance policy cancellation will be outlined here,
too.
PUGH
Insurance Group
Insurance Coverages
Insurance Solutions
Auto Insurance
Pugh Insurance Group
18323 Bothell Everett Hwy
Suite 330
Mill Creek, Washington 98012
Snohomish County, WA
888-202-9921
Fax: 888-704-4408
PERSONAL INSURANCE
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Washington Auto Insurance