WA DMV Insurance and Financial Responsibility 2 — Questions and Answers
Question 1: What is the minimum bodily injury liability coverage per person required for drivers in Washington State?
- $10,000
- $50,000
- $25,000 (Correct answer)
- $15,000
Correct answer: $25,000
Washington requires at least $25,000 in bodily injury liability coverage for one person injured in a crash.
Question 2: What is the minimum property damage liability coverage required in Washington?
- $10,000 (Correct answer)
- $5,000
- $25,000
- $20,000
Correct answer: $10,000
Washington law requires a minimum of $10,000 in property damage liability coverage.
Question 3: Which of the following is an acceptable alternative to buying a liability insurance policy in Washington?
- A signed promise to pay for any damages
- A letter from your employer
- A $5,000 cash deposit with your county
- A certificate of deposit of $60,000 filed with the Department of Licensing (Correct answer)
Correct answer: A certificate of deposit of $60,000 filed with the Department of Licensing
Washington allows a certificate of deposit of $60,000 with the Department of Licensing as an alternative to an insurance policy.
Question 4: If you are stopped by police in Washington, what proof of financial responsibility must you show?
- Only your vehicle title
- An insurance identification card or other proof of coverage (Correct answer)
- A copy of your credit report
- Your vehicle purchase receipt
Correct answer: An insurance identification card or other proof of coverage
Drivers must carry and show proof of insurance, such as an insurance ID card, when stopped by law enforcement.
Question 5: What can happen if you are in a crash while driving uninsured in Washington and are found at fault?
- Nothing, as long as you apologize
- Only your registration sticker is removed
- Your license can be suspended if you fail to pay for damages (Correct answer)
- You automatically go to jail for one year
Correct answer: Your license can be suspended if you fail to pay for damages
An uninsured at-fault driver who does not pay for crash damages can have their driver license suspended.
Question 6: What is the fine classification for driving without insurance in Washington?
- A parking violation of $25
- A traffic infraction with a fine of $550 or more (Correct answer)
- A federal offense
- There is no penalty
Correct answer: A traffic infraction with a fine of $550 or more
Driving without insurance in Washington is a traffic infraction carrying a fine of $550 or more.
Question 7: Which vehicles are generally exempt from Washington's mandatory insurance law?
- All passenger cars
- Pickup trucks
- SUVs
- Mopeds (Correct answer)
Correct answer: Mopeds
Mopeds are among the few vehicle types exempt from Washington's mandatory liability insurance requirement.
WA DMV Insurance and Financial Responsibility 2
What is the minimum bodily injury liability coverage per person required for drivers in Washington State?