In the state of Washington, the basic mandated coverage that all drivers are required to have is 25/50/10. This is liability coverage that protects other drivers from you. It is $25,000 for injuries to one person and $50,000 total for all those injured in an accident. The additional $10,000 is for personal property. At Securum LLC in Lynnwood, WA, we are independent insurance agents who prioritize our customers’ needs and ensure they have the right coverage.
Collision
Collision coverage will protect your vehicle from damage it sustains in an accident where you are the responsible party. It can be a one-car accident, a hit-and-run, or one where you are at fault. It pays for the repair or replacement of your vehicle.
Comprehensive
Comprehensive coverage protects your car from things that can damage it other than an auto accident. It could be weather-related damage, such as flooding, wind damage from flying limbs, or hail damage to your vehicle’s paint finish. It also covers theft, vandalism, and collisions with large animals, such as deer.
Gap coverage
When you have a newer vehicle and a car loan, you may owe more than you could collect for the total loss of your vehicle. This is where gap insurance comes in, ensuring that you collect what you owe.
Full glass
Comprehensive coverage provides glass coverage with a deductible. With full glass, you don’t have to pay a deductible.
Rental car
After an auto accident, your car may be totaled, or it may require some time in the shop to get it back to running condition. You will need something to drive in the meantime, and this is where rental car coverage comes in.
Contact our office at Securum LLC in Lynnwood, WA for all your auto insurance needs.
