WA DMV Insurance and Financial Responsibility 3 — Questions and Answers
Question 1: What is the minimum bodily injury liability coverage required in Washington when two or more people are injured in one crash?
- $25,000
- $100,000
- $50,000 (Correct answer)
- $30,000
Correct answer: $50,000
Washington requires at least $50,000 in bodily injury coverage for all persons injured in a single crash.
Question 2: Whom does liability insurance pay when you cause a crash?
- The other people you injure or whose property you damage (Correct answer)
- Only yourself
- Only your passengers
- Your insurance company
Correct answer: The other people you injure or whose property you damage
Liability insurance covers injuries and property damage you cause to others, not your own losses.
Question 3: Which coverage would pay for your own injuries if you are hit by a driver who has no insurance?
- Property damage liability
- Comprehensive coverage
- Roadside assistance coverage
- Uninsured motorist coverage (Correct answer)
Correct answer: Uninsured motorist coverage
Uninsured motorist coverage protects you when an at-fault driver has no insurance.
Question 4: Presenting a fake or invalid insurance card to a police officer in Washington is:
- Perfectly legal
- A misdemeanor criminal offense (Correct answer)
- A simple parking ticket
- Only a warning offense
Correct answer: A misdemeanor criminal offense
Providing false proof of insurance is a misdemeanor in Washington, more serious than the infraction of driving uninsured.
Question 5: You lend your insured car to a friend who crashes it. In general, whose insurance is expected to pay first?
- The friend's renter's insurance
- The state accident fund
- The insurance on the vehicle (yours) (Correct answer)
- No one pays
Correct answer: The insurance on the vehicle (yours)
Auto insurance typically follows the vehicle, so the owner's policy generally pays first when a permitted driver crashes.
Question 6: Which optional coverage pays to repair your own car after you hit another vehicle, regardless of fault?
- Bodily injury liability
- Collision coverage (Correct answer)
- Property damage liability
- Personal injury protection
Correct answer: Collision coverage
Collision coverage pays for damage to your own vehicle from a crash, regardless of who was at fault.
Question 7: Which coverage pays if your parked car is damaged by hail, theft, or a fallen tree?
- Collision coverage
- Liability coverage
- Uninsured motorist coverage
- Comprehensive coverage (Correct answer)
Correct answer: Comprehensive coverage
Comprehensive coverage pays for non-collision damage such as weather, theft, fire, or falling objects.
WA DMV Insurance and Financial Responsibility 3
What is the minimum bodily injury liability coverage required in Washington when two or more people are injured in one crash?