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Do I have to pay the difference between my liability coverage and the value of the car I hit in an accident if I live in Washington?

I hit a car in Tacoma, and my insurance covers $10,000 for property damage liability. However, the car is worth $22,000. Am I on the hook for the additional $12,000?

avatar
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Yes, you’re liable for the additional $12,000 after your insurance pays the $10,000. Even if the other driver has
underinsured motorist coverage
, their insurance company will still come after you for the amount.
In the future, you might want to consider upping your limits. For just a few extra bucks a month, you can avoid paying thousands of dollars out of pocket after an accident.”
Liability CoverageCar Insurance
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