Should I Use My Insurance Or The At-Fault’s Drivers Insurace In An Accident?
Reader’s Question:
I had this terrifying accident a couple of weeks ago with my wife and two children here in Vancouver, Washington. A van hit us in full impact because it was running to fast. My wife has the most impact that until now she is still under recovery. Do we need to use our own insurance or the other driver’s insurance?
Todd
Vancouver, WA
There is a law here in Washington known as the Tort System of Insurance whereas the driver who is at fault is the one going to pay for it. He will have to use his own Car Insurance to pay for the damage he had caused. He will use his’ for the physical damage and of all medical expenses you and your family has suffered.
Washington Law also includes a minimum requirement for the Bodily Injury Liability is $25,000 for each person who has suffered in the accident up to $50,000 per accident. The law also includes a minimum of $10,000 for the Property Injury Liability. Other Insurance Company in Vancouver, Washington will propose you to get a Personal Injury Protection but it would be better not to accept this since Washington Law does not require it but it is also helpful in paying for the damage you have suffered in an accident. There is also another policy that Washington doesn’t require but it will help you if you got yourself involved in an accident to an uninsured driver or those who has no enough coverage for the accident. There are Insurance Companies that offers you the most reasonable policy nobody can ever imagine even if with a driving record.
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