We have three cars at home and only my car is insured, my wife’s and son’s cars are not insured. My wife keep telling me that her car should also be insured together with my son’s car, she says it’s really important to get it insured. Why should one’s car get insured here in Washington?

Todd

Everett, WA

Washington requires all the cars on the road should be insured before getting it on the road. If you have escaped yourself from this requirement, you will not be able to escape yourself from a huge disaster when you got yourself in an accident. Car Insurance is just like having a savings account that you can get in case of emergencies on the road.

Car insurance is just as important as the homeowner’s insurance for with a Car Insurance with you on the road, it will help you survive, not from death or physical injury but at least you will be saved from financial problems in case you got yourself in an accident. Car Insurance doesn’t only cover you in case of accident but also the other party. Car insurance is not supposed to be expensive for the state has set a minimum requirement but this might not be able to get everything covered if you had a major accident. Just imagine yourself getting a car accident which is your fault and the other party is not insured, though it is breaking the law if you don’t get yourself insured, you still need to have both of your mishaps covered. This is how car insurance protects you, not only you but also the other party that makes it really important.

My parents own three cars and I drive each of them once in a while. How would I know if I am covered under their car insurance here in Washington?

Orin

Bellevue, WA

These days, a lot of families own more than one vehicle because most family members are always on the go. Most families register each of their vehicles under only one name since car insurance providers normally check the driving record of the vehicle owner before selling car insurance policy. The other family members then become named drivers on the insurance policy and this procedure is legally accepted and could be able to save money on your premiums. To determine if you are part of your family’s car insurance policy in Bellevue, Washington and have sufficient coverage, here are some things to follow:

–You may ask every family member if your vehicles’ insurance is under one name.

–You may request the registered family member to inform your insurer to include your name in the policy.

–You may contact the insurance provider to verify that you name is included in the policy.

–You may obtain a copy of the policy and verify all the names and be sure that your name has been added properly.

–Examine the kind of coverage you have because in some instances, you could not be covered comprehensively.

–You should drive the car only after getting affirmation that you are included in the policy and make sure that you have a photocopy of the policy when you drive one of your vehicles.