What Insurance Should I Take Out for My Car?

When considering what insurance to take out for your car, understanding the different types of coverage available helps you make an informed decision that protects both you and your vehicle.

Liability Insurance (Required)

Every state requires some form of liability insurance. This covers damages you cause to other people and their property in an accident. It includes bodily injury liability and property damage liability. Washington state requires minimum limits, but higher coverage is often recommended.

Collision Coverage

Collision coverage pays for damage to your vehicle from accidents, regardless of fault. This is especially valuable for newer or more expensive vehicles. If you have a car loan, your lender will likely require collision coverage.

Comprehensive Coverage

Comprehensive covers damage from non-collision events like theft, vandalism, natural disasters, falling objects, and animal strikes. It's often bundled with collision coverage for complete protection.

Uninsured/Underinsured Motorist Coverage

This protects you if you're hit by a driver without insurance or with insufficient coverage. Given the number of uninsured drivers on the road, this coverage provides valuable peace of mind.

Additional Coverage Options

Consider additional options like medical payments coverage, rental reimbursement, roadside assistance, and gap insurance. Your specific needs and circumstances will determine which additional coverages are right for you.