What happens if I’m caught driving without insurance in Washington?

Posted on December 20, 2023January 3, 2024 by admin

Operating a motor vehicle in Washington State without the minimum required liability insurance coverage (except for a moped) is illegal. It is necessary as a way to assume responsibility for any damages to other drivers and property as a result of an accident.

Required Insurance Coverage

Your insurance policy must have limits of at least $25,000 for bodily injury or death to a vehicle with one person in the car. $50,000 of bodily injury or death coverage if you’re liable for an accident involving two or more injured parties. The state also requires a minimum of $10,000 of property damage coverage to go toward the destruction of property in an accident.

Proof on Insurance

While driving in Washington state, you must be prepared to show law enforcement adequate proof of insurance upon request. At Alpine Ridge Insurance in Auburn, WA, we will provide you with an insurance card as proof of insurance when you buy a policy. The card will include the following items that the state requires:

The name of the insurance company
Your policy number.
Date your insurance policy went into effect.
The expiration date of your insurance policy
Your vehicle description including the year, make, and model.
The name of the insured drivers for the vehicles on the policy.
If more than five vehicles are listed on the policy, the card should include "fleet."

Driving without insurance

Failure to provide proof of insurance is a traffic infraction, but knowingly providing misleading evidence of insurance coverage is considered a misdemeanor (like giving proof of insurance to an officer on a canceled policy).

If you drive a motor vehicle without the required insurance, you will receive a minimum fine of $550. Additionally, suppose you’re at fault for an auto accident. In that case, you may have your license suspended, especially if you don’t pay for the damages and injuries from the accident.

Contact us today

The state of Washington doesn’t play around when it comes to the safety of its drivers, and neither should you. If you are driving a motor vehicle and don’t have the required auto insurance, call us today. At Alpine Ridge Insurance in Auburn, WA, we will partner with you to get you legal and protect you and others on the road.

Should I have boat insurance for my PWC?

Posted on November 17, 2023November 29, 2023 by admin

Although the State of Washington does not require personal watercraft (PWC) insurance, almost every PWC owner should insure their machine. Accidents happen, and the U.S. Coast Guard reports that PWCs have the highest accident rate among boat types, so insuring your PWC makes sense. Our team at Alpine Ridge Insurance, serving the Auburn, WA area, will happily review these issues with you and structure coverage that best meets your needs.

Boat Insurance Considerations

PWCs can travel at high speeds and are often driven by younger individuals with limited experience operating watercraft, so they are involved in accidents. In addition, PWC accidents often include collisions with other PWCs or boats, resulting in blunt-force trauma to the PWC driver and passengers. It would be best to consider this aspect of PWC accidents when setting your coverage limits on a PWC policy.

Like boat insurance generally, PWC insurance has core components and numerous options. For example, the policy may include:

-Collision or property damage to your PWC or the property of others

-Bodily injury/medical coverage for riders and others

-Options covering trailers, towing, salvage, and fuel spills

PWC policies have minimum coverage amounts that depend on your PWC’s age, size, and value. However, the coverage limits you should carry depend on what you have to lose and your willingness to take risks. Those with significant assets generally take higher liability limits or have umbrella insurance for additional protection.

We Are Here To Help

PWCs can be great fun, but that fun leads to the need for insurance. If you are in the Auburn, WA area, our team at Alpine Ridge Insurance can structure a PWC insurance plan to meet your needs. Call or stop in today to discuss your options before returning to the water.

Here’s How Home Insurance Can Protect Your Family

Posted on October 20, 2023November 1, 2023 by admin

Home is where the heart is and where your family resides. If you own a house, you’ll want to make sure that it is covered by home insurance. In the event of a tragedy, such as a major storm damaging your house, insurance may help you recover. Keep in mind that the fine print is important and what is and isn’t covered can vary from policy to policy. If you’re looking for an insurance company that covers Auburn, WA, get in touch with Alpine Ridge Insurance.

Protecting Your Family and Wealth With Home Insurance

For many families, their home is their most valuable asset. Later in life, many homeowners will sell the home they raised their family in and then downsize, buying a smaller, cheaper home. This often nets the seller a profit, which can be used to help fund retirement. When someone passes away, their home may go to their children, who in turn can sell the property to pay for their children’s college education, their own retirement, or whatever else.

Unfortunately, many things can damage and destroy homes. Hurricanes and tornados are relatively common in some areas of the United States and can completely destroy houses and other properties. Electrical fires, earthquakes, lightning strikes, and many other things can damage or destroy homes. Criminal activities, such as break-ins, can also result in a lot of damage.

If a home is uninsured and damaged by a storm or other event, the homeowner will have to pay for all the repair and replacement costs him or herself. This means they could end up being out a lot of money, and they may have lost their most valuable asset, their house. If the home is insured, the family may receive compensation and assistance with rebuilding. This can safeguard your family’s property and wealth.

Schedule A Consultation Today

Looking for help with home insurance in or near Auburn, WA? Contact Alpine Ridge Insurance today.

Why should I get a RV insurance plan in Washington?

Posted on September 22, 2023September 28, 2023 by admin

Owning an RV is a dream for a lot of people in the Auburn, WA area. A quality RV can be a lot of fun to drive and will also offer you a convenient place to sleep when you are not on the road. This can make it a great asset if you like to go camping or go on long road trips across the country. If you choose to get an RV, you will want to get insurance for it as well. You should get an RV insurance plan here for various reasons.

Protect Your RV

An important reason to have a full RV insurance plan when you are here is so you can protect your RV. An RV can take a very significant investment to acquire and care for. Because of this, it will be very important that you do your best to cover and protect it at all times. If you do invest in an RV plan, it will give coverage so you can pay to repair or replace it if you incur various forms of loss.

Comply with Obligation

You also need coverage to comply with various obligations. When you purchase an RV, you will need to have liability insurance to drive it anywhere in the country. You also will need comprehensive coverage if you take out a loan.

Consult With Us

Having an RV insurance plan is very important if you do own one in the Auburn, WA area. If you would like to start looking for a new plan here, you can get a lot of support if you call our team with Alpine Ridge Insurance. Our professionals at Alpine Ridge Insurance know the value that can come with this coverage. We can provide the guidance that you need to build a new plan that protects your RV.

Understanding Different Types of Auto Insurance Coverage

Posted on August 24, 2023September 7, 2023 by admin

Auto insurance is a crucial shield, but deciphering the coverage types can be like navigating a maze. Here at Alpine Ridge Insurance, providing auto insurance to individuals in the greater Auburn, WA area, we want to help you understand the different types of auto insurance coverage available.

Auto Insurance Coverage Options

Liability Insurance

A legal mandate in most states, liability insurance covers injuries and damages to others if you’re at fault in an accident. It comprises two components: bodily injury liability (for medical expenses) and property damage liability (for repairs).

Collision Coverage

When your car meets an obstacle, such as a vehicle or a pole, collision coverage steps in. It aids in repairing or replacing your vehicle minus the deductible.

Comprehensive Coverage

Beyond collisions, cars face other risks, like theft, vandalism, or natural disasters. Comprehensive coverage financially cushions you against these perils, often with a deductible.

Uninsured or Underinsured Motorist Coverage

In case you collide with a driver without insurance or inadequate coverage, this type acts as your safety net, covering medical expenses and repairs.

Medical Payments Coverage

Regardless of who’s at fault, medical payments coverage shoulders medical bills for you and your passengers resulting from an accident.

Personal Injury Protection (PIP)

Similar to medical payments coverage but more extensive, PIP covers medical expenses, lost wages, and even essential services like childcare, if needed.

Gap Insurance

When your car’s value depreciates faster than your loan balance decreases, gap insurance bridges the difference, ensuring you’re not left financially stranded.

Remember, finding the right blend of coverage depends on your circumstances, driving habits, and budget. If you’re looking for the right policy for you in Auburn, WA, the experienced insurance agents here at Alpine Ridge Insurance can assist you. Call us now to schedule an appointment.

How to Choose the Right Size and Model When Purchasing a New Vessel

Posted on July 21, 2023August 9, 2023 by admin

Choosing the right size and model of a new vessel can be intimidating here in the Auburn, WA area. After all, you want to make sure that your investment will last for years to come and that you get the most out of it.

Here are some tips from us at Alpine Ridge Insurance to help:

When it comes to purchasing a new vessel, there are several factors to consider. First, think about how often you plan on using your vessel. If you plan on making frequent trips, then you may want to opt for a larger model with more storage capacity. On the other hand, if you only plan on taking occasional journeys, then a smaller model might be more suitable for your needs.

You should also consider the type of activities in which you plan on participating when selecting the right size and model for your new vessel. For example, if you’re looking for a recreational boat that can accommodate fishing trips as well as leisurely cruises downriver, then an inflatable or pontoon boat might be more appropriate than a sailboat or powerboat.

In addition to considering what kind of activities you plan to do in your new vessel, also pay attention to its weight capacity and motor size when shopping around. Make sure that whatever type of boat you choose is capable of carrying both people and any necessary equipment comfortably without being overloaded or underpowered.

We Can Help!

For more tips or to explore a boat insurance policy to cover your new vessel, give us at Alpine Ridge Insurance a call today. We are proud to serve the Auburn, WA area and would be happy to help you find a policy that meets your needs.

What Every First-Time Buyer Needs to Know About Purchasing Home Insurance

Posted on June 16, 2023June 20, 2023 by admin

Are you considering purchasing a home near or around the Auburn, WA area? The first time you buy a home can be an exhilarating yet nerve-wracking experience. It’s essential to protect one of life’s most significant investments. If you’re getting ready to become a first-time homeowner, this brief guide from Alpine Ridge Insurance will provide some good information to help make the process go smoothly.

Understand What Home Insurance Is

Even if you’ve owned several homes, you’re still not an expert on home insurance yet. It’s a package policy with different components that can be difficult to understand. It’s important to take time to ask an agent questions and know what each part covers. Every year you’ll review your homeowner’s insurance policy and make adjustments if necessary. Our experts help guide you through the process.

Home insurance is good financial protection should you have an unexpected loss from a natural disaster, vandalism, or other events out of your control. A home insurance policy does not include maintenance of appliances like an HVAC unit or roof.

Where You Live Matters

Your location in the country matters when making decisions about your home insurance policy. For instance, if you live in a coastal area, you’ll likely need to consider additional flood insurance. Anyone who lives in a part of the country where earthquakes are common should have earthquake insurance. These aspects are always carefully considered wherever you live. Auburn, WA can be prone to flooding, so you should plan accordingly.

Get An Estimate From Alpine Ridge Insurance

Is this your first time buying a home? We would love to guide you through the process. Get in touch with one of our experts today for professional help with home insurance.

Safe Driving Tips for New RV Owners

Posted on May 19, 2023June 6, 2023 by admin

For many individuals in Auburn, WA, RVing is more than just a hobby. It can be a way of life, a way to explore the great outdoors and create cherished memories with loved ones. However, it’s essential to remember that a recreational vehicle is much different from your average car in terms of size and weight and therefore requires a different set of driving skills. Alpine Ridge Insurance wants you to be safe, so here are some tips.

Safe Driving Tips for New RV Owners

Know your RV’s dimensions.

The first and perhaps the most critical aspect of safe RV driving is understanding its size. Always know your RV’s height, length, and weight, and remember that it may require a longer stopping distance, especially when driving at high speeds or downhill. Before driving your RV, ensure that it’s appropriately loaded, and distribute weight evenly to prevent it from swaying while driving.

Plan your route ahead of time.

Unlike cars, RVs have some restrictions on which roads they can travel and park on legally. Be sure to plan your travel route carefully, considering low bridges, narrow roads, and any other factors that could present challenges. Take your time and stick to larger highways and routes marked for truck traffic whenever possible.

Watch your speed.

An essential aspect of safe RV driving is driving within the speed limit. This is particularly crucial when driving downhill or during strong crosswinds, which can cause your RV to sway. Always drive at a speed that allows you to maintain control of the vehicle.

Reach Out To Us

Driving an RV can be can also be risky if you don’t take the necessary precautions. For all your RV insurance needs in Auburn, WA, contact Alpine Ridge Insurance today and get the coverage you need to protect yourself on the road.

Maximizing Your Auto Insurance

Posted on April 11, 2023April 28, 2023 by admin

You need to have adequate insurance for your auto, but you also likely want to be frugal and see how you can have the correct coverage without having to spend too much. With that in mind, here are some ways to save money on auto insurance, courtesy of Alpine Ridge Insurance serving the Auburn, WA area.

Maximizing Your Auto Insurance

Bundled discounts

Another way to save money on auto insurance is to bundle insurance. That is, you can get not just auto insurance but also home or renter’s insurance through the same company. You might be pleasantly surprised at how much you can save this way.

Safe driver discounts

A key way to save money on auto insurance is by having a safe driver discount. Many insurance companies offer that. It is designed to reward safe drivers, and as its name implies, a driver has to drive safely to have it. Different companies offer discounts like that in different ways, so it is important to get the details from the auto insurance company.

Safe driving tips

To get certain auto insurance discounts, such as a safe driver discount, you have to be a safe driver. So make sure you are always driving safely. That includes driving at the correct speed and following all road signs. It also includes driving appropriately in all types of weather, such as rain and snow.

Reach Out To Us

Do your research and find out about various ways to save money on auto insurance. You might find that you can save more than you expected. You probably have more questions about this topic, and we are here for you. Contact Alpine Ridge Insurance serving the Auburn, WA area with your auto insurance questions.

Little Known Facts About Boat Insurance

Posted on March 27, 2023April 5, 2023 by admin

Whether you live in Auburn, WA or Sacramento, CA, boat ownership is synonymous with freedom, whether you’re fishing, cruising, or just enjoying the water. However, owning a boat comes with responsibilities like maintenance, safety precautions, and insurance. The last item on this list can be quite confusing for many boat owners. That’s why we at Alpine Ridge Insurance have put together some little-known facts about boat insurance to help you make informed decisions.

Little Known Facts About Boat Insurance

Boat Insurance Covers More Than Just Your Vessel

Many think that boat insurance only covers the vessel itself. However, this is not the case. Boat insurance can offer coverage for much more than just the watercraft. Some policies may include provisions for personal property that you have on board, such as equipment and gear. Additionally, some policies can even cover liability for accidents that occur when loading or unloading the boat.

Flood Damage May Not Be Covered Without a Separate Policy

It’s important to note that flood damage may not be covered under your basic boat policy. Depending on the area where you use your boat, a separate policy could be needed to cover flooding or storm damage. Be sure to check with your insurance provider to find out if you’ll need a separate policy for flood coverage.

Liability Coverage Protects You On and Off the Water

Liability coverage is essential when it comes to boat insurance. This type of coverage will help pay for damage or injury caused by your vessel, but it can also cover incidents that occur when you’re not on the water. For example, if your boat is involved in an accident while being towed or transported, liability insurance can provide protection.

High-Performance Boats Should Have Specialized Coverage

If you’re the owner of a high-performance boat or a racing sailboat, it’s important to note that standard boat insurance may not cover you. In these cases, specialized coverage is needed to protect your investment. These policies offer tailored protection designed to meet the specific needs of high-performance watercraft.

Give Us A Call

Boat insurance is a crucial aspect of boat ownership that shouldn’t be overlooked. Understanding these little-known facts will help ensure that your coverage meets your needs and expectations. For more information on boat insurance and other insurance products, contact our team at Alpine Ridge Insurance today. We’re proud to serve the Auburn, WA area and look forward to helping you protect what matters most.