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Kent Car Insurance

Kent car insurance is more than just a commodity, it is a necessity for both legal and financial reasons. This Washington town is a quickly growing suburb of Seattle and home to major corporations such as Boeing, REI, Oberto and more. Needless to say, there is quite a bit of action going on in Kent, WA and having appropriate Kent car insurance is a must.

Both uninsured and currently insured drivers assume that Kent car insurance is a difficult to acquire and understand, but it is actually quite a simple concept. The best way to find the right Kent auto insurance plan quickly is to learn about all of your options ahead of time. However, many WA residents are also skeptical as to whether or not taking the time to compare multiple Washington auto coverage quotes will really save them money or if it will be a waste of time. In actuality, it’s hard to say whether or not your current plan is the cheapest option without shopping around.

Required Washington Coverage

The state operates under the tort system. Under this system, at least one driver must take the blame for an accident and the driver who takes the blame, along with their insurance company, are responsible for paying the damages. If you are in an accident with someone who does not have automobile insurance, then you will have to either pay for your own damages or sue the other driver for compensation. Thus, if you are driving without protection, you face a lawsuit. In other words, things work out much easier if all drivers have Kent vehicle insurance in place.

The state of WA requires a certain amount of coverage called liability coverage. You must, by law, obtain bodily injury liability of $25,000 per injured individual with a total of $50,000 per accident. Also, you must obtain $10,000 in property damage liability. You will often see this coverage noted as 25/50/10. [1] Being caught without this much Kent coverage means heavy fines and a lot of hassle. However, as long as you obtain this much coverage then you will be considered legal on the roadways. The minimum coverage, however, by no means guarantees you won’t have to pay anything out of pocket in an accident and that is exactly why there are other options available.

Non-Required Policy Types

While liability is required to drive legally in Kent, there are some accidents that may not be covered by your plan. In order to effectively choose the best plan for your average or low income auto coverage needs, you should be well aware of all of your options. Although adding additional Kent coverage will increase your premiums, it will also minimize the risk of having to pay out large sums of money for an accident not covered by your basic plan.

Liability covers someone else’s car repairs, but in order to make sure your own vehicle is covered, you will need to invest in collision. If you are in an accident and you carry collision Kent car insurance, then your provider will pay you the value of the vehicle at the time the accident occurred. Thus, if you have an new vehicle or a car that is worth a lot of money, you should consider investing in collision insurance.

Although having liability and collision will cover your automobile and the other driver’s car if you are at fault for an accident, there are other circumstances in which you will need even more coverage. Comprehensive car insurance is the type of plan that will cover damages to your car caused by something other than another driver - such as destruction from hitting an animal, weather damage, theft or vandalism.

If another Kent driver hits you and does not have coverage, and you don’t want to take them to court, you would want to have uninsured motorist protection in place. The reason this comes in handy is because, even if you take another driver to court, they probably won’t have the money to cover your damages. This type of Kent car insurance is also helpful if the other driver has insurance, but not enough to cover all of the damages.

If you’re financing your vehicle through a Kent lender, you may need to purchase gap coverage. This type of Kent automobile insurance was created for drivers who are driving a car they have not yet finished paying off. If you total your car, but you have gap insurance, then your provider will pay off the rest of the car for you. Because most people finance their vehicles, this type of coverage is pretty popular and may also be required by your lender. Regardless of whether or not your car is new, if it is worth more than you could pay on short notice, you might want to consider additional Kent car insurance.

[1] http://www.carinsurance.com/state/Washington-car-insurance.aspx (2/23/11)

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