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?

Answer
“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.”
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Eric Schad
Answered on Apr 28, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
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