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Category Archives: Washington Insurance

Mike Dortch and the licensed agents of InsureDirect offer the lowest Washington Auto Insurance Rates. One call to our Washington Auto Insurance Toll-Free Hotline will save you lots of time and money. Not only will we offer the lowest Washington Auto insurance rates and the surrounding area, you don’t even need to leave the comfort of your home to obtain insurance coverage.
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All Washington Auto insurance rate quotes and all online car insurance products are bound for insurance coverage through our sister insurance agency’s appointment contracts, Combined Insurance Group, Ltd. Free Auto insurance rates in Washington quotes provided both online and through our Washington Auto Insurance Toll-Free Insurance Quote Hot-Line.

From our city’s proud place as the State Capital, to the shore,’ InsureDirect is there for you, providing the insurance you need at low rates.

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Updated (6/24/2012): The mandatory auto insurance law in Washington requires anyone who drives a vehicle within the state to carry at least the liability insurance.

Washington liability insurance requirements for cars start at 25/50/10.

This means you must have Washington auto insurance in the amount of $25,000 coverage for bodily injury liability per person and $50,000 coverage for bodily injury liability total per accident.

You are also required to carry at least $10,000 coverage for property damage liability total.

If the damage to either people injured or auto damage/destruction exceeds these limits, you will be responsible for the difference.

Due to that fact, we urge you to consider getting more coverage than the bare minimum when buying Washington auto insurance.

Other auto insurance coverage available within the state of Washington but not required are the following:

• Personal Injury Protection – provides coverage in limited amount for the policyholder’s medical and hospitalization expenses, income loss, or funeral expense;
• Medical Payments – provides coverage in limited amount for medical or funeral expenses;
• Collision Coverage – provides coverage to your car’s damages that is caused by collision accidents;
• Comprehensive Coverage provides coverage to your car’s damages as a result of an accident which is not caused by a collision;
• Uninsured/Underinsured Motorist Bodily Injury – provides bodily injury coverage on the policy holder in the event that the accident is caused by an uninsured/underinsured motorist;
• Uninsured/Underinsured Motorist Property Damage – provides coverage to the insured vehicle against damages caused by an uninsured/underinsured motorist;
• Emergency Road Service – provides cover for towing services in the event of car breakdown.
• Car Rental Expense – provides cover on car rental expenses in the event that your insured vehicle is not serviceable as caused by an accident;
• Death, dismemberment and loss of sight – provide coverage to death and certain injuries obtained by people included in your policy from an accident involving your insured vehicle.
• GAP Coverage – in the event that the insured car is being financed and had suffered a total loss, this coverage will pay the amount difference between the current market value of the car and the amount the policyholder still owes the lender; and
• Custom Equipment Coverage – provides coverage to customized equipment in your vehicle.

To know more about Washington auto insurance, you may call at toll free number (800) 807-0762.

Washington State Proposes Increase For Workers’ Compensation Rate

Washington State workers have been dealt a major blow after the Washington State Department of Labor and Industries (L&I) instituted reforms that will see them receive the lowest increase for worker’s compensation in 5 years.   The state agency proposed a 2.5 percent increase which is a significantly lower than the 10 to 14 percent which had been anticipated reforms.

Director of the agency, Judy Schurke, said that in arriving at the figure, her agency sort to strike the right balance between a sluggish economy and the employees welfare needs. She was confident that the new reforms would stand the test of time and yield results. The legislative reforms are part of the state’s cost-cutting measures that seek to reduce national deficit and are expected to save the state approximately $1.1 billion four years down the road. In addition to this, the reforms will help Washington State eschew a double-digit workers’ compensation rate increase, which will go a long way in rekindling the diminishing state’s job market.

A statement issued by Christine Gregoire, Washington’s governor, said in part that the reforms were a shot in the arm for the job market, harmonize the rates and create a more efficient claims settlement system.  L&I has used up $332 million from the State Fund reserve since 2007 to partially compensate for workers and employers premiums in a bid to keep the rates from going through the roof during the economic turmoil. This has depleted the reserves to levels well below the industry minimum level. According to Schurke, the new reforms will address this issue and bolster the reserves. According to official reports, for the past three years, L&I has been adopting lower than the required rates. In 2008, the increase was 3.2 percent increase, 3.1 percent in 2009, 7.6 percent next year and a double digit rate, 12 percent, in 2011.


Michael E. Dortch
President &  Managing Agent
Corporate Home Office
618 South Broad Street
Lansdale, Pennsylvania  19446
(800) 807-0762  ext. 602