Washington’s minimum car insurance requirement is liability coverage of $25,000 for injury or death of one person, $50,000 for injury or death of two or more people, and $10,000 for property damage in one accident (often written 25/50/10), under RCW 46.29.090. That is the legal floor for Wenatchee, East Wenatchee, Chelan, Leavenworth and every other Washington driver. Whether the minimum is enough for you depends on what you own, who rides with you and what you could be asked to pay after a serious crash.

By the team at Blue Horizon Insurance & Financial Services, an independent local agency at 12 S Wenatchee Ave, Wenatchee.

Want to see what higher limits would look like on your car? We shop many insurance companies for you. Start here:

https://www.bhifs.com/insurance-quotes.html

Or call 509-293-7500.

What does Washington’s minimum car insurance actually cover?

The state minimum is liability only. It pays other people when you are legally responsible for a crash. It does not pay to fix or replace your own car, and it does not pay your own medical bills.

• $25,000 bodily injury per person – the most the policy pays for one injured person.
• $50,000 bodily injury per accident – the most it pays for all injured people combined.
• $10,000 property damage per accident – other people’s cars, fences, buildings and other property.

Washington also accepts a few alternatives to a policy, such as a certificate of deposit or a self-insurance certificate, described in RCW 46.30.020. Most drivers simply carry a policy. Driving without proof of insurance is a traffic infraction under that same law, and you must show proof when an officer asks. A phone screen showing your ID card counts.

What coverages must an insurance company offer you in Washington?

Beyond the required liability, Washington law makes insurers offer two more coverages. You can turn them down, but only in writing.

Personal injury protection (PIP)

PIP helps pay medical expenses and certain other losses for you and your passengers regardless of who caused the crash. Under RCW 48.22.085, a new or renewing auto policy must offer PIP, and a named insured may reject it in writing. A rejection applies to everyone who would have been covered.

Underinsured motorist (UIM) coverage

UIM helps when the other driver has no insurance, too little insurance, or drives off (hit-and-run). RCW 48.22.030 requires insurers to include it unless the named insured or spouse rejects it in writing. Once rejected, it stays off renewals until you ask for it back in writing.

If you have ever signed a rejection form and don’t remember it, your declarations page will show whether PIP and UIM are on your policy today. The Washington Insurance Commissioner also has plain-language auto insurance guides.

Is the Washington minimum enough?

For many households it is not, and here is why, in plain numbers that come straight from the limits above:

• $10,000 property damage is small. It can be used up quickly if you damage a newer pickup, a commercial truck or more than one vehicle in a single crash.
• $25,000 per injured person may not go far after an ambulance ride, a hospital stay or lost work time.
• Anything over your limits can come back to you. If a claim against you is larger than your policy, the other side may seek the rest from you personally.
• Your own car isn’t covered. Minimum liability has no collision or comprehensive. If your car is financed or leased, your lender usually requires those coverages anyway.

Whether higher limits make sense for you is a personal decision that depends on your situation and your policy terms. Our job is to show you the options side by side so you can choose.

What do Wenatchee Valley drivers ask us most about minimum coverage?

A few questions come up again and again at our Wenatchee office:

• “I own my car outright. Can I drop to state minimum?” Dropping collision and comprehensive on an older car is a common question. Lowering liability to the minimum is a separate choice, because liability protects what you own and earn, not the car.
• “I commute on US 2 or US 97, or drive to Moses Lake for work.” More highway miles at speed means more exposure to multi-vehicle crashes. That is worth weighing when you choose limits.
• “Do I need UIM if I already have health insurance?” Health insurance and UIM do different jobs. UIM can also cover passengers and certain losses health insurance doesn’t. We walk through how each one works on your policy.
• “Does my policy follow me to Idaho?” Your Washington policy generally covers you while traveling in other states. Moving and registering your car there is a different situation (see our Washington-to-Idaho guide).

How do you choose limits above the minimum?

Here is a simple way to think about it before you talk to an agent:

1. List what you’d want protected: home equity, savings, future wages.
2. Look at your current declarations page. Find your bodily injury, property damage, PIP and UIM limits.
3. Ask for two or three limit options quoted side by side so you can see the difference for yourself.
4. Consider auto and home together. Some insurance companies offer multi-policy options. We can check while we shop.

For more on how liability works, read Liability Coverage in Auto Insurance: What It Covers. If you’re wondering whether higher limits or an umbrella fits better, see Umbrella vs. Higher Auto or Home Limits.

Why use a local independent agency for this?

Blue Horizon Insurance is an independent agency. We are not the insurance company. We shop many insurance companies for you and explain the differences in plain English. We have been a Ramsey Trusted provider (a Dave Ramsey endorsed local provider) for more than 10 years, and we serve drivers across Chelan and Douglas Counties, the Wenatchee Valley and throughout Washington. Learn more on our auto insurance page.

FAQ: Washington minimum car insurance

What are the minimum liability limits in Washington?

$25,000 per person and $50,000 per accident for bodily injury, plus $10,000 for property damage (RCW 46.29.090).

Is PIP required in Washington?

Insurers must offer PIP. You can reject it, but only in writing (RCW 48.22.085).

Is underinsured motorist coverage required?

It is included unless a named insured or spouse rejects it in writing (RCW 48.22.030).

Does minimum coverage pay to fix my own car?

No. Minimum liability pays others. Damage to your own car needs collision and/or comprehensive coverage. Coverage always depends on your policy terms.

What happens if I’m caught driving without insurance?

Failing to provide proof of insurance is a traffic infraction in Washington (RCW 46.30.020).

Compare your options with a local agent

We’ll review your current limits and shop many insurance companies to show you options. No pressure, and you decide.

https://www.bhifs.com/insurance-quotes.html

Or call 509-293-7500. Blue Horizon Insurance & Financial Services, 12 S Wenatchee Ave, Wenatchee, WA 98801.

This article is general information, not legal advice or a coverage decision. Coverage depends on your policy terms and the insurance company’s underwriting.

When you move to a different state, you need new auto insurance in that state, and your insurance ID card lists the state you live in. Moving from Washington to Idaho? The Idaho Transportation Department (ITD) says to tell your insurer you’ve moved and use a company admitted in Idaho, with minimum liability of $25,000 / $50,000 / $15,000.

By Blue Horizon Insurance and Financial Services, Wenatchee. Sources checked October 27, 2026. Coverage depends on your policy terms; check your declarations page.

Do I need new auto insurance if I move from Washington to Idaho?

Yes. A policy and ID card for your Washington address aren’t the policy and card for your new Idaho home, and Idaho’s Transportation Department points the same way. ITD tells new residents to “make sure your liability insurance is with an admitted carrier in Idaho by letting your insurance company know that you’ve moved to Idaho,” and says Idaho verifies insurance coverage electronically. Whether your current insurance company writes in Idaho varies, so ask them before your move date. If they don’t, an independent agency can look at other companies for you.

What does Idaho require for auto insurance?

Idaho Code § 49-117(20) and ITD list the same minimum liability limits:

• $25,000 for injury or death of one person in any one accident
• $50,000 for injury or death of two or more people in any one accident
• $15,000 for damage or destruction of property of others in any one accident

That is a little different from Washington, where the Department of Licensing (DOL) lists a $10,000 property damage minimum. ITD says your vehicle must be insured “with an insurance company licensed to do business in Idaho.” The Idaho Department of Insurance adds that insurers must provide uninsured and underinsured motorist bodily injury coverage “unless a named insured has rejected the coverages in writing.” These are legal minimums, not a recommendation. Medical bills and repair costs can run past them, and some drivers choose higher limits or an umbrella policy.

How does Idaho check that my insurance is in place?

Electronically. ITD says the Idaho DMV receives data from licensed Idaho insurance companies identifying vehicles that have coverage. Its Drive Insured FAQ says that if you have a policy from an out-of-state insurer that is not reported to the Idaho DMV, you “will be classified as not having insurance until an alternative method of proof is provided.” ITD says owners with no valid insurance on record for two consecutive months get a warning and 30 days to respond before registration is suspended, and reinstatement requires proof of insurance and a $75 fee. That is one more reason to line up Idaho coverage before you register.

How soon do I have to deal with the Idaho DMV?

ITD’s New to Idaho guide says you must get an Idaho driver’s license or ID card “within 30 days of moving to Idaho” and must title and register your vehicle “within 30 days of moving to Idaho.” ITD also says new arrivals should get the Idaho license before registering or titling a vehicle. Be aware that ITD’s own publications don’t all match. An ITD registration fact sheet dated 07/17 says new residents must register within 90 days, and ITD’s driver manual describes 90 consecutive days of residency, with residency declarable earlier. Check with ITD or your county DMV office for the deadline that applies to you instead of relying on a blog post.

What if I’m moving to the Wenatchee area instead?

The same idea runs the other direction. DOL says new Washington residents have 30 days after moving to get a Washington driver license and register their vehicles, and you need the Washington license before you can register a vehicle. Washington law says new residents are allowed 30 days from the date they become residents to obtain Washington registration (RCW 46.16A.140). DOL also says that if you drive a vehicle registered in Washington, you must carry liability insurance of at least $25,000 / $50,000 / $10,000 or another approved way to assume financial responsibility, and it lists a fine of $550 or more for driving without it.

Your Washington ID card has to include the name of the insurance company, the policy number, the effective and expiration dates, and a description of the insured vehicle or the name of the insured driver (WAC 308-106-020). While your car is still registered in another state, DOL says you must have the insurance that state requires and be able to show proof of it to law enforcement. We can help new Wenatchee-area residents line up Washington coverage before the 30 days run out. See our Washington auto insurance page.

Can I keep my Washington policy after I move to Idaho?

That depends on whether your insurance company is admitted in Idaho and rewrites the policy for your new address. Idaho tells you to confirm your coverage is with an Idaho-admitted insurance company, and a policy not reported to the Idaho DMV may show as no insurance. Ask your insurance company or us how to line up the start of the new policy and the end of the old one so there is no gap. The timing is your decision, and we won’t tell you to cancel anything before you choose to. Our guide to switching car or home insurance mid-term in Washington covers the basics.

What else should I review when I move?

• Liability limits that fit your situation, not just the state minimums
• Uninsured and underinsured motorist coverage, which Idaho insurers must offer unless you reject it in writing
• Comprehensive and collision, especially if you finance or lease
• Your home or renters policy for the new address. See our home insurance and renters insurance pages.

FAQ

Does the Idaho DMV need my insurance before I register?

ITD says that when you register your vehicle in Idaho you must have insurance with an admitted carrier at Idaho’s minimum limits, and Idaho verifies coverage electronically. Having your Idaho policy in place first avoids problems.

Are Washington and Idaho minimums the same?

Not quite. Both list $25,000 per person and $50,000 per accident for bodily injury. Idaho’s property damage minimum is $15,000, and Washington’s is $10,000, according to ITD and DOL.

Is Blue Horizon licensed in Idaho?

Yes. Our licensed states page lists Washington and Idaho. Our home office is in Wenatchee, and Washington is our main focus.

Is Blue Horizon the insurance company?

No. We’re an independent agency, not the insurance company. Coverage and claim decisions are made by the insurance company that issues your policy.

Related guides: Washington’s rules on SR-22 filings and uninsured drivers are in our SR-22 and uninsured driver guide. Flood needs a separate policy from home or renters insurance; see our flood insurance guide.

Talk it through with a local independent agent

Blue Horizon Insurance is an independent agency at 12 S Wenatchee Ave in Wenatchee. We are not an insurance company. Our licensed insurance agents shop many insurance companies for you and explain the trade-offs in plain English. We have also been Ramsey Trusted / Dave Ramsey endorsed for 10+ years. Tell us your move date and new address, and we’ll look at your options.

• Call us: 509-293-7500 (Mon–Fri, 9–5)
• Text us (text only, not for calls): 509-300-3515
• Request a quote online:

https://www.bhifs.com/insurance-quotes.html

Sources

• Idaho Transportation Department, New to Idaho
• ITD, Vehicle insurance
• ITD, Drive Insured questions
• Idaho Code § 49-117
• Idaho Department of Insurance, Required auto coverage
• Washington DOL, Moving to Washington: Get a driver license
• Washington DOL, Moving to Washington: Vehicle registration and plates
• RCW 46.16A.140
• Washington DOL, Mandatory insurance
• WAC 308-106-020, Insurance identification card content

The Office of the Insurance Commissioner (OIC) lists contact with an animal, such as a deer, under comprehensive (other-than-collision) coverage on a Washington auto policy, and a deductible may apply. If you only carry liability, your own car repairs aren’t covered. Around Wenatchee, deer collisions peak in October and November, so now is a good time to check your policy.

By Blue Horizon Insurance and Financial Services, Wenatchee. Sources checked October 27, 2026. Coverage depends on your policy terms; check your declarations page.

Does car insurance cover hitting a deer in Washington?

Often, yes, if you carry comprehensive. The OIC describes comprehensive as covering loss from something other than a collision with another car or object, including fire, vandalism or “contact with an animal, such as a deer,” and says a deductible may apply. Your policy’s exact wording, limits and deductible control what’s paid. If you’re not sure whether you carry comprehensive, look at your declarations page or ask us.

Why are deer collisions so common around Wenatchee in the fall?

Three agencies describe the same picture:

• Timing. The Washington Department of Fish and Wildlife (WDFW) says more than half of deer-vehicle collisions in the state happen in October and November, and that the rut (mating season) and peak hunting days may account for this. Its research found most mule deer collisions occur from October through January, with peak commute times falling at dawn and dusk when deer are most active.
• Our roads. WSDOT lists the Wenatchee vicinity among the areas with some of the state’s highest wildlife-vehicle collision rates: an abundant mule deer population means high deer collision rates on the busy highways north and west of the city.
• Our deer. A USGS data set on the Chelan mule deer herd puts its high-use winter range along the southeast shore of Lake Chelan, the breaks of the Columbia River, the lower Entiat River drainage and the foothills east of Cashmere. It names US-97A, which overlaps the winter range along the Columbia, and US-2, which cuts across several migration routes, as barriers the herd has to cross.

WSDOT has put up wildlife fencing in some places, including along US-97A north of Wenatchee, but says fencing can’t be used everywhere and animals can get in at gaps like side roads and ramps.

What if I swerve to miss a deer and hit something else?

The OIC defines collision coverage as paying for damage to your car if you collide with another car or object or your car flips over. So if you swerve and hit a guardrail, a tree or another vehicle, that is typically a collision claim, not a comprehensive one. Your policy language decides, and your collision deductible may differ from your comprehensive deductible. That is one more reason to know both numbers before a crash.

What if I only carry liability?

Liability pays for injuries and damage you cause to others, and the OIC notes property damage liability typically won’t cover damage to your own car. With a deer, there is no other driver to claim against. If you own your car outright and carry liability only, repairs would come out of your pocket. If you finance or lease, the OIC says most lenders require comprehensive and collision. We can price adding comprehensive across the companies we represent, and you decide whether the deductible and cost fit your budget.

What should I do right after hitting a deer?

1. Get to safety. Move to a safe spot if you can. Call 911 if anyone is hurt or the car can’t be driven.
2. Leave the animal alone. WDFW says only a law enforcement officer or someone authorized by WDFW may euthanize an animal injured in a collision.
3. Report a dead animal on a state highway. WSDOT says to contact the local Washington State Patrol district office or local law enforcement, who will contact the right WSDOT facility.
4. Take photos of the damage, and the scene.
5. Contact your insurance company. The OIC says you must protect your car from further damage and keep receipts for roadside services such as towing.

How long do I have to file a deer claim?

It varies. The OIC says the time you have to file an auto claim depends on your policy and insurance company, so don’t wait. After you start a claim, the OIC says the insurer must approve, deny or explain a delay within 30 days. Claims are filed with your insurance company; our contact your carrier page lists claim contacts, and we’re glad to help you find the right number.

Will towing and a rental car be covered?

Maybe, depending on what you added. The OIC lists rental reimbursement and roadside assistance as optional coverages, so check your policy before you need them. Our car accident checklist and our Stevens and Blewett Pass winter driving guide cover towing limits and roadside coverage too.

Do deer whistles work?

WDFW says how well deer whistles work “is not scientifically known.” WDFW’s tips are simpler: slow down at night, watch near steep roadside banks, and remember one deer crossing can mean more are coming. If you see brake lights ahead, a driver may have spotted a deer.

Can I keep a deer I hit with my car?

WDFW says it is legal to salvage a deer or elk killed in a motor vehicle collision, but you must get a free salvage permit from WDFW within 24 hours of taking possession, and you can’t kill an injured animal to salvage it. WDFW does not vouch that salvaged meat is fit to eat, and testing rules for chronic wasting disease apply in some regions. Check WDFW’s roadkill salvage page for current rules before you do anything with the carcass.

FAQ

Do I file a deer claim with Blue Horizon or my insurance company?

With your insurance company. We’re an independent agency, not the insurance company, but we can help you find the claim contact and review your coverage.

Does the same rule apply if I hit an elk?

The OIC’s comprehensive description refers to contact with an animal, and WSDOT says most reported wildlife collisions involve deer and elk. How your policy treats it depends on its terms, so ask your insurance company or us.

Should I add comprehensive before deer season ends?

That depends on your car, your lender and your budget. We can compare comprehensive deductibles across the companies we represent so you can decide. We will never tell you to cancel or change a policy without you choosing it.

Related guides: Flood damage to your car is also a comprehensive-only loss, per the OIC; see our flood insurance guide for Wenatchee. Got a DOL letter or had a lapse? Read SR-22 and uninsured driver rules in Washington.

Talk it through with a local independent agent

Blue Horizon Insurance is an independent agency at 12 S Wenatchee Ave in Wenatchee. We are not an insurance company. Our licensed insurance agents shop many insurance companies for you and explain the trade-offs in plain English. We have also been Ramsey Trusted / Dave Ramsey endorsed for 10+ years. See our Washington auto insurance page for how we shop coverage.

• Call us: 509-293-7500 (Mon–Fri, 9–5)
• Text us (text only, not for calls): 509-300-3515
• Request a quote online:

https://www.bhifs.com/insurance-quotes.html

Sources

• Washington OIC, Learn how auto insurance works
• Washington OIC, Filing an auto insurance claim
• WDFW, An Analysis of Deer and Elk-Vehicle Collision Sites along State Highways in Washington State
• WDFW, Tips for Driving in Deer Country (PDF)
• WDFW, Roadkill salvage permit
• WSDOT, Wildlife habitat connectivity
• USGS, Washington Mule Deer Chelan Corridors

Washington requires every driver of a registered vehicle to carry liability insurance of at least $25,000 / $50,000 / $10,000. If you can’t show proof when asked, it’s a traffic infraction with a fine of $550 or more. An SR-22 is something different: proof of financial responsibility that your insurance company files with the Department of Licensing (DOL), usually for three years.

By Blue Horizon Insurance and Financial Services, Wenatchee. Sources checked October 27, 2026. This is general information, not legal advice; DOL decides what you must file.

What auto insurance does Washington require?

To drive a vehicle registered in Washington, you need liability insurance (or another approved form of financial responsibility) with limits of at least:

• $25,000 for bodily injury or death of one person in one accident
• $50,000 for bodily injury or death of two or more people in one accident
• $10,000 for damage to other people’s property in one accident

Liability pays for harm you cause to other people. It does not pay to fix your own car. Those limits are the legal floor, not a recommendation. If you own a home or have other assets, ask us how higher limits or an umbrella policy fit your situation. Our post on umbrella vs. higher liability limits walks through that choice, and our Washington auto insurance page covers the basics.

What happens if I’m stopped without proof of insurance?

Whether you’re on US-2 in Wenatchee or a county road near Quincy, you must be ready to show your insurance ID card to law enforcement. Failing to show proof is a traffic infraction, and DOL says the fine can be $550 or more. Under RCW 46.30.020, if you appear in court or mail in written evidence that you were insured when you were cited, the citation is dismissed, though the court may charge $25 in administrative costs. Keep a current ID card in the glove box or on your phone.

A citation is not the only risk. DOL notes that if you’re at fault in a collision and have no insurance, your license may be suspended if you don’t pay the resulting damages or injuries.

Can I show an expired or canceled policy as proof?

No. Under RCW 46.30.040, knowingly giving a law enforcement officer or a court false evidence of insurance, including an expired or canceled policy, is a misdemeanor. If a policy ended and you haven’t replaced it, call us before you drive. We can start comparing companies right away.

What is an SR-22 in Washington?

An SR-22 is a certificate your insurance company files with DOL to show you carry the required liability coverage. It is proof of financial responsibility, not a different kind of car insurance. DOL says your insurer can send it through DOL’s online portal or by fax, and DOL notes processing can take 7–10 business days after it receives complete documents.

Who has to file an SR-22?

DOL says proof of financial responsibility is required for anyone who has been convicted of, or forfeited bail for, certain offenses; failed to pay judgments; or driven or owned a vehicle involved in an accident. DOL’s pages on several kinds of suspensions say you must file an SR-22 when you become eligible to reinstate your license. If a letter from DOL mentions financial responsibility or an SR-22, read it closely and call DOL at 360-902-3900 if anything is unclear.

How long do I need an SR-22?

DOL says that in most cases it’s three years from the date you’re eligible to reinstate your license for that incident, not from the date of the ticket. Washington law (RCW 46.29.600) lets DOL cancel or waive the requirement after three years if it has no record of a new violation that would require or allow a suspension, with other conditions that can apply. Because dates matter, confirm yours with DOL.

Are there other ways to prove financial responsibility?

Yes. Besides an SR-22 from an approved insurance company, DOL accepts a certificate of deposit of at least $60,000 issued by DOL, or a liability bond of at least $60,000 from a surety company authorized to do business in Washington. DOL also links to a lookup tool so you can verify that an insurance company is approved by the Insurance Commissioner.

What if an uninsured driver hits me?

This is why many Wenatchee-area drivers look at their own policy, not only the state minimums. Washington law (RCW 48.22.030) requires auto insurers to offer underinsured motorist coverage, which can apply when the at-fault driver has no insurance, too little insurance, or is a hit-and-run or phantom vehicle. It must be offered at limits equal to your liability limits unless you reject it in writing, and the rejection form must carry a bold warning about the risk of being underinsured (WAC 284-20-300).

Insurers must also offer personal injury protection (PIP). The Office of the Insurance Commissioner (OIC) says PIP can help with medical costs, lost wages and some other costs no matter who is at fault, and that you must reject it in writing if you don’t want it. The OIC also advises reporting hit-and-run or unidentified-vehicle accidents to law enforcement within 72 hours. What your own policy pays depends on its terms, so look at your declarations page.

How does Blue Horizon help if I need an SR-22 or have a lapse?

Blue Horizon is an independent agency. We are not an insurance company, and we compare options from the companies we represent; not every company writes every driver or vehicle, and not every company files SR-22s. Tell us up front that you need an SR-22 so we only look at companies that can handle it. We won’t tell you to cancel a policy you have. If you’re switching, the new policy should start before the old one ends so you don’t have a gap; here’s how switching mid-term works in Washington.

Be aware of one OIC point: an insurer can cancel an auto policy if DOL suspends or revokes the license of a driver in the household, and for non-payment after 10 days’ written notice. Our post on what sets car insurance prices in Wenatchee explains the factors companies look at, and the car accident checklist is worth keeping handy.

FAQ

Is an SR-22 a separate insurance policy?

No. It’s a certificate your insurance company files with DOL as proof that you carry the required liability coverage.

Do mopeds need liability insurance in Washington?

DOL lists mopeds, horseless carriages over 40 years old, state or publicly owned vehicles, and carriers registered with the Utilities and Transportation Commission as exceptions to the insurance requirement. You can still be held responsible for damage or injuries you cause, and rules for your exact vehicle are DOL’s to confirm.

Does the $25,000 / $50,000 / $10,000 minimum change if I drive an out-of-state vehicle in Washington?

DOL says a vehicle registered in another state must carry the insurance that state requires, and you must be able to show proof if asked.

Who do I contact at DOL?

DOL’s Driver Records phone line is 360-902-3900 (TTY: 711).

Related guides: Moving to or from Idaho? See what happens to your auto insurance when you move from Washington to Idaho. Hit a deer? See how Washington car insurance handles a deer strike.

Talk it through with a local independent agent

Blue Horizon Insurance is an independent agency at 12 S Wenatchee Ave in Wenatchee. We are not an insurance company. Our licensed insurance agents shop many insurance companies for you and explain the trade-offs in plain English. We have also been Ramsey Trusted / Dave Ramsey endorsed for 10+ years.

• Call us: 509-293-7500 (Mon–Fri, 9–5)
• Text us (text only, not for calls): 509-300-3515
• Request a quote online:

https://www.bhifs.com/insurance-quotes.html

Sources

• Washington State Department of Licensing, Mandatory insurance
• Washington State Department of Licensing, Financial responsibility (SR-22)
• Washington OIC, Washington state’s mandatory auto/motorcycle insurance law
• Washington OIC, Learn how auto insurance works
• Washington OIC, Personal injury protection (PIP)
• RCW 46.30.020, Liability insurance or other financial responsibility required
• RCW 46.30.040, Providing false evidence of financial responsibility
• RCW 46.29.600, Duration of proof
• RCW 48.22.030, Underinsured motorist coverage
• WAC 284-20-300, Required language when underinsured motorist coverage is rejected