Bringas Insurance Group
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    Bringas Insurance Group

    Auto Insurance

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    Drive with confidence — we've got you covered

    Your car isn't just transportation. It takes you to work, to see family, on vacations — to all the moments that make up your life. An accident, theft, or even a storm can become a serious financial problem without proper protection.

    Coverage Details

    What's Covered?

    A clear breakdown of every protection layer included in your policy.

    01
    / 01

    Liability Coverage

    Required by Washington State law. Pays for bodily injury and property damage you cause to others in an at-fault accident, plus your legal defense.

    Bodily Injury LiabilityProperty Damage LiabilityLegal defense costsWA minimum: 25/50/10
    02
    / 02

    Collision Coverage

    Pays to repair or replace your vehicle after a collision with another vehicle or object — regardless of fault. Subject to your deductible.

    Single-car accidentsHitting another vehicleHitting an object (pole, fence)Rollovers
    03
    / 03

    Comprehensive Coverage

    Covers damage to your vehicle from non-collision events. Often required by lenders if you're financing or leasing.

    Theft & vandalismFire & explosionsHail, windstorm, floodFalling objects & animalsGlass breakage
    04
    / 04

    Uninsured/Underinsured Motorist

    Roughly 1 in 8 U.S. drivers is uninsured (III). UM/UIM pays for your injuries and damage when the at-fault driver has no insurance — or not enough.

    Hit-and-run accidentsUninsured at-fault driversUnderinsured driversBodily injury & property damage
    05
    / 05

    Medical Payments (MedPay)

    No-fault coverage that pays medical bills for you and your passengers after an accident, regardless of who caused it.

    Hospital & doctor visitsSurgery & X-raysDental treatmentFuneral expenses
    06
    / 06

    Personal Injury Protection (PIP)

    Optional in Washington but highly recommended. Broader than MedPay — also covers lost wages and essential services.

    Medical expensesLost wagesEssential services (childcare, housekeeping)Funeral expenses
    07
    / 07

    Additional Coverages

    Optional add-ons that close common gaps and avoid out-of-pocket surprises.

    Roadside assistanceRental car reimbursementTowing & laborGap insurance (loan/lease)New car replacement
    Important

    How Much Coverage Do You Need?

    Washington's state minimums (25/50/10) are rarely enough — a single ER visit can exceed $25,000. Your real number depends on your assets, vehicle value, ability to handle a deductible, and personal risk tolerance.

    • Working with an independent agency makes the difference
    • We compare multiple carriers for the best price-protection combination
    • We're not limited to a single option
    The Process

    Our Approach

    It's not just about giving you a price. It's about making sure you understand what your policy covers, what it doesn't, and what you truly need.

    1
    Step 01

    Compare multiple carriers

    2
    Step 02

    Evaluate your real profile

    3
    Step 03

    Adjust coverage and cost to your situation

    "A cheap policy that doesn't protect well can end up costing much more later."

    Ready to protect
    what matters most?

    As an independent agency, we compare multiple carriers to find the best coverage for your needs.

    Get Your Free Quote (425) 405-7111