Auto Insurance　　　　　　　　

The  State of Washington  requires that all drivers carry at least minimum coverage liability, which we  will further explain in the liability section.
Therefore, we find it crucial not  only to protect yourself with appropriate coverage, but  we are legally bound to  do so as well. On the following pages we will explain  the different coverage  options, tips on how to save on premiums and what to do in case of an accident.  Please remember, it is illegal to drive without auto  insurance!
◎If you do not receive a response from our office within 1 business day, please give us a call.

Auto Coverage Selections

Bodily Injury Liability (State requirement)
This coverage  protects  you in the situation that you are found responsible for an accident  that  resulted in injuries to third parties. This coverage will pay for those  injuries  and legal representation of subsequent lawsuits up to your coverage  amount. Due  to the increased number of lawsuits and amount of judgments, it is  very  important to have ample coverage so to minimize your personal  exposure.
Property Damage Liability (State requirement)
This  coverage works the same way as Bodily Injury in that it protects you from any  damage you may have caused to another parties property. This may include another  individual's car, light post and other physical property that may have  been  damaged in an accident that you were found to be at fault for. 

Uninsured & Underinsured Motorist Bodily Injury Coverage (UIMBI)
Uninsured and Underinsured Motorist Bodily Injury coverage is a  very important coverage to have. In the event another motorist that may be uninsured or just not have ample coverage seriously injures you, you are left  with the immediate need to seek medical assistance and possible long-term  recuperation. This coverage will take care of these expenses, again up to your  limits, in the event the guilty party is not financially able to. 
Uninsured & Underinsured Motorist Property Damage Coverage 
(UIMPD)
This coverage does the same thing as UIMBI except for your  vehicle. This coverage also protects against hit and runs with a small deductible.

Personal Injury Protection (PIP)
There are two  levels of this protection, one for $10,000 and the other for $35,000. This  coverage first and foremost compensates you for medical costs incurred in an  accident. A nice additional feature to this is payments of last wages and an allowance for services, such as mowing the lawn, to be provided in the event  you  are unable to do them yourself.

Collision
This coverage  protects your car in the event you collide with another vehicle or object. With  this coverage you decide a deductible, which is the portion you will be  responsible for in repairing or replacing your vehicle. 

Comprehensive
Comprehensive can be summed up as any damage to  your vehicle that was not considered a collision loss. For example, these  losses  can be a result of fire, theft or storm damage. You choose a deducible amount  for this coverage as well.

Other Coverage Available
Towing
Loss of Use expenses (rental car coverage)
Glass Buyback plan (lowers deductibles for windshield  replacement and fixes small stars for free)
Stereo Coverage 
Umbrella coverage (increases liability limits on all  covered policies from $1 - $5 million). 

What to do in case of accident

  1. Try to compose yourself (stay calm), turn on hazards
  2. Call 911, request ambulance if there are any injuries
  3. It is so important we will mention it again, call 911. It is very important that you get a police record and that all the information is accurate  pertaining  to the other drivers insurance info and it can also be helpful to  jot down the  other parties license plate number.
  4. Exchange the information with other party and document where, when, and how  accident occurred
  5. Document any witness information
  6. Take some pictures of the damage of vehicles, location, and other party's drivers license and insurance ID card. 
  7. Report the accident to us or insurance company directly