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Why Prostar Insurance doesn’t write Washington State Minimums.


To help ensure that Washington residents are well protected in the event that they are involved in an automobile accident, the state of Washington requires that all motorists carry a minimum amount of liability insurance on each of their vehicles. Currently, the minimum liability requirements are 25/50/10. These numbers represent the minimum amounts, in thousands of dollars, of bodily injury liability and property damage liability each driver must maintain.

Bodily Injury Liability- The first two numbers represent the minimum bodily injury liability coverage that must be obtained for each vehicle. Bodily injury liability pays for the medical expenses of the persons in the other vehicle; $25,000 for a single person with a maximum of $50,000 if there is more than one person injured.
Property Damage Liability- Property damage liability insurance pays for damage to buildings, traffic signs or the other party’s vehicle. The state of Washington requires that motorists maintain a minimum of $10,000 of property damage liability coverage for each vehicle they own.

The minimum car insurance requirements required for all Washingtonians may be insufficient to cover the rising cost of medical treatment and repairs. For this reason Washington State recommends that its residents obtain a liability policy greater than the required minimums as well as Comprehensive and Collision insurance to pay for damage to their own vehicle if they are found to be at-fault and damages to their vehicle caused by wildlife and other acts of nature.

Though liability insurance is the law in Washington State, many motorists fail to abide by these laws. To help protect you in the event that the other driver is not carrying sufficient insurance coverage or you are involved in a hit and run, it is advisable to carry Uninsured/Underinsured Motorist protection to help pay for any damages to your vehicle.

A member of the Prostar team witnessed through a friend why the state minimums are not significant. His friend was in a very bad motor cycle accident were he broke his right femur, lost his right pointer finger and lost his right lag from just under the knee down.  What do you think the medical coast were on this claim? The gentleman that hit him had state minimums. The coverage was eaten up with the first night that he was in the hospital. Washington is a garnishing state. Which means that a judge can and will garnish your wages. Prostar will not put are clients in that type of risk. We will stay competitive for are clients so that we can keep the coast down with out jeopardizing coverage for are clients.

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4 Comments

  1. I don’t know If I said it already but …I’m so glad I found this site…Keep up the good work I read a lot of blogs on a daily basis and for the most part, people lack substance but, I just wanted to make a quick comment to say GREAT blog. Thanks, 🙂

    A definite great read..Jim Bean

  2. I don’t know If I said it already but …I’m so glad I found this site…Keep up the good work I read a lot of blogs on a daily basis and for the most part, people lack substance but, I just wanted to make a quick comment to say GREAT blog. Thanks, 🙂

    A definite great read….

  3. There’s good info here. I did a search on the topic and found most people will agree with your blog. Keep up the good work mate!

  4. The simplest explanation for personal injury liability insurance is that it guarantees a person or organization from claims of any other party with respect to the injury suffered.


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