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Chambers Bay Insurance

7017 27th St W, Suite 1
University Place, WA 98466

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Washington Autoowners with auto insurance coverage

Auto Insurance

Buying auto insurance does not have to be complicated. Our agents carefully review your insurance needs to make sure you’re getting the protection you deserve. Below are terms that you may find on your auto policy but might not have known what they really meant. At Chambers Bay Insurance, we want you to feel confident that you have what you need when driving down the road.

COMPREHENSIVE COVERAGE: Covers damage that results from something other than a collision, such as; rock chips, damage by a break in, or a car that is dented by a run-in with a deer.

COLLISION COVERAGE: Coverage provided for damage sustained to your vehicle that was your fault as a result of colliding with another vehicle or fixed object.

PROPERTY DAMAGE: Insures the property of other people that your car damaged in an accident.

BODILY INJURY (When you’re liable to other people)

  • Example: You hit another car (it’s your fault) and the person in that car is injured. Your insurance will pay medical, lost wages, etc. for the person/persons in that car or your car that was injured.
  • 250/500: The 250 refers to $250,000 in coverage available per individual. The 500 refers to $500,000 in the total amount of coverage you have.

PIP (PERSONAL INJURY PROTECTION)

  • If you collide with another car, whether your fault or not, and you or the person in your car are injured, PIP pays for the injuries.
  • Pays out immediately and covers things like lost wages and medical.
  • Some people say they don’t need PIP because they have medical insurance. However, you don’t know who will be riding in your car that does NOT have, or does not have enough, medical insurance. If you have a passenger in your car that is injured due to your fault, and they do not have insurance and you don’t have PIP, you can be held personally liable for their injuries.
  • PIP is no-fault coverage so it won’t affect your rates.

UNDER/UNINSURED MOTORIST: Provides coverage in the event you are hit by a car that did not have insurance, or was underinsured. Your insurance will pay for property damage and injuries.

UMBRELLA AND HOW IT COVERS YOU IN AUTO SITUATIONS

  • Umbrella only covers damages to other people, not yourself.

Ex: You are driving in a car and hit a pedestrian causing serious injuries and $750,000 in personal damages. You have 250/500 coverage and a $1 million umbrella policy. Your auto insurance will pay $250,000 and your umbrella policy will cover the remaining $500,000. If you did not have umbrella coverage, YOU would be responsible to pay the $500,000.

DEDUCTIBLE: Amount you pay to your insurance company for a portion of the claim you make. If you are not at fault, deductible does not apply.

CLAIM: Submitting to your insurance company damages you would like them to pay. Submitting claims can make your insurance cost go up over time, so talk with your insurance agent first before deciding to make a claim.

This is a general overview and is not to replace your particular state laws and regulations.

WHY WORK WITH US?

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WE DO THE INSURANCE SHOPPING FOR YOU

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POLICIES THAT MEET & EXCEED EXPECTATIONS.

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EXPERIENCE YOU CAN TRUST


Servicing States

  • Washington
  • Oregon
  • Idaho
  • California
  • Texas