The state requires that any individual operating an automobile must have an active liability policy in place at all times. One also has the choice to obtain a certificate of deposit or a bond meeting the required limits. Most choose to purchase coverage from an insurer since it is more reasonable for most to obtain and manage compared to the other methods of acquiring proof of financial responsibility.

In order to be in compliance, one must have the following limits on their policy as a minimum; $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more people and $10,000 for property damage per accident. If one chooses to obtain a certificate of deposit, an amount of $60,000 must be deposited in cash or securities with the Office of the State Treasurer. This amount may be unrealistic for most consumers, therefore they choose to buy car insurance in Washington through providers and pay for coverage in installments in order to drive their vehicle’s legally.

Proof of Washington Car Insurance

All motorists are required to carry evidence of financial responsibility at all times while driving. In the event that a driver is stopped by a law enforcement officer they must be able to furnish proof that the either the vehicle or they themselves are insured. A policyholder’s insurer must provide them with proof in the form of an identification card at the time of purchase or renewal of a policy. Valid ID cards must include the name of the carrier, policy number and effective and expiration dates. Also to be included must be the name of the insured and the description of any vehicles on the policy.

In accordance with the Washington State Office of the Commissioner failure to provide valid identification cards when requested by law enforcement is considered a traffic violation. Offenders will be fined $450 and the infraction may be reflected on one’s driving record. Additional fines can be added by the court system such as a public safety and education assessment of 70% of the original fine. It may be wise and in one’s best interest to maintain coverage since these fees may add up to more or equal to what they would have paid for their premium.