Auto Insurance

Liability is the foundation of every auto policy and is required by Washington law. Bodily Injury Liability covers medical bills, lost wages, and legal costs for people you injure. Property Damage Liability pays to repair or replace another driver's vehicle or any property you damage. It does NOT pay for your own injuries or your own car.

Property Damage is the half of liability that handles things instead of people. If you back into a garage door, hit a parked car, or take out a road sign, this coverage pays for repairs up to your policy limit. We typically recommend higher limits than the state minimum because vehicle and property repair costs have climbed sharply.

Roughly 1 in 7 drivers is uninsured. UM/UIM steps in if you're hit by an at-fault driver who has no insurance, not enough insurance, or flees the scene. It pays for your medical bills, lost wages, pain and suffering, and in some cases damage to your vehicle. One of the most valuable — and most overlooked — coverages on a policy.

PIP pays your medical bills, a portion of lost income, and even some essential services (childcare, housekeeping) after an accident — regardless of who caused it. In Washington, carriers are required to offer PIP, and you must reject it in writing if you don't want it. PIP often pays before fault is even determined.

MedPay is a smaller, simpler companion to PIP. It covers reasonable medical and funeral expenses for you and anyone in your vehicle after an accident, no matter who's at fault. Unlike PIP, it doesn't cover lost wages or services — just medical. Affordable and great as a deductible/co-pay buffer if you already have health insurance.

Collision pays to repair or replace your vehicle when it collides with another vehicle or object — including single-car accidents like hitting a guardrail. You'll choose a deductible (commonly $500 or $1,000) you pay before coverage kicks in. If you finance or lease, your lender almost certainly requires collision.

Comprehensive (sometimes called 'other than collision') covers everything that isn't a crash: theft, vandalism, fire, hail, falling tree branches, hitting a deer, broken windshields, and flooding. Like collision, it has a deductible. Together, collision + comprehensive are commonly known as 'full coverage.'

Broad Form is a stripped-down, driver-focused policy: it covers ONE named driver for liability while operating any vehicle they don't own. It doesn't insure a specific car and doesn't include collision, comprehensive, or coverage for other drivers. Often used for low-cost compliance and not allowed by all lenders or DOL filings — ask us first.

An SR-22 isn't insurance — it's a form your insurance company files with the WA Department of Licensing certifying you carry at least the state-required liability limits. Drivers usually need an SR-22 after a DUI, driving uninsured, multiple at-fault accidents, or license reinstatement. Most carriers must keep it active for 3 years. We file SR-22s same-day.