What type of insurance is required for operating a vehicle in Washington State?

In Washington State, liability insurance is required for all drivers operating a vehicle. This type of insurance is designed to cover damages caused to other people or property in the event of an accident where the insured driver is at fault. It provides financial protection to individuals who may sustain injuries or property damage due to someone else's negligence on the road.

Liability insurance typically includes two main components: bodily injury liability, which covers medical expenses for others if you cause an accident, and property damage liability, which covers damage to someone else's property, such as their car or fence. This requirement ensures that drivers can compensate other parties for injuries or damages, thus promoting responsibility and accountability on the road.

While comprehensive insurance, collision insurance, and uninsured motorist coverage provide additional protections and benefits, they are not mandatory for all drivers in Washington State. Comprehensive insurance covers non-collision incidents such as theft or natural disasters, collision insurance covers damages to your own vehicle resulting from an accident, and uninsured motorist coverage protects you if you're in an accident with a driver who has no insurance. However, these are optional policies that drivers can choose to purchase for added protection beyond the minimum legal requirements.