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?

Apr 28, 2021
Answer provided by
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Eric Schad
Answered at Apr 28, 2021
“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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