Find out how Auto insurance works to protect you and your vehicle on the road.
Get coverage to protect the vehicle you rely on.
Your car or truck is often one of your biggest investments—second only to your home. Located in Spokane Valley, WA. Inland Northwest Insurance helps drivers throughout WA, ID, OR, and MT find Auto insurance that fits their needs and their budget.
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Bodily Injury Liability Coverage
Risk Factor
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Solution
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
Property Damage Coverage
Risk Factor
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.
Solution
The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.
Medical Payments Coverage and Personal Injury Protection
Risk Factor
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.
Solution
Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.
Uninsured / Underinsured Motorist Damage Coverage
Risk Factor
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Solution
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Physical Damage Coverage
Risk Factor
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Solution
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
Rental Coverage / Loss of Use
Risk Factor
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Solution
Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
What Is the Minimum Auto Insurance Coverage?
Minimum Auto insurance coverage in WA, ID, OR, and MT is designed to meet legal requirements—but it doesn’t always provide the level of protection most families actually need.
In many cases, these basic policies only cover damage and injuries you cause to others in an accident, along with limited medical expenses. They often don’t fully protect your own vehicle or provide enough liability coverage for today’s rising repair and medical costs.
At Inland Northwest Insurance, we help drivers understand what state minimums really mean—and whether that level of coverage is enough for their situation.
How Does Bodily Injury Liability Coverage Work?
If you’re at fault in an accident that causes injury to someone else, bodily injury liability coverage helps pay for their medical expenses, lost wages, and other related costs—up to your selected policy limits.
We help drivers across Washington, Idaho, Oregon, and Montana choose liability limits that better protect their finances, not just meet the minimum requirements.
What Is Uninsured/Underinsured Motorist Coverage?
Uninsured and underinsured motorist (UM/UIM) coverage protects you if you’re in an accident with a driver who has little or no insurance. In these situations, your own policy helps cover medical expenses, lost wages, and may help repair your vehicle.
At Inland Northwest Insurance, we recommend this coverage for drivers across Washington, Idaho, Oregon, and Montana—it’s one of the best ways to protect yourself from the financial risk of underinsured drivers on the road.
Protect Your Vehicle with the Right Auto Insurance Coverage
In addition to liability protection, optional coverages like comprehensive and collision insurance help protect your vehicle from theft, weather damage, accidents, and more—even when another driver isn’t involved.
Our team helps local drivers across the Inland Northwest find coverage that actually fits how they live and drive.
Get the Coverage That Fits Your Life
Looking for auto insurance you can count on?
Contact Inland Northwest Insurance in Spokane Valley, WA for a personalized quote and expert guidance. We’ll help you find the right coverage—so you can drive with confidence!
Auto Insurance FAQ
What is the difference between liability-only and full-coverage auto insurance?
Liability-only coverage pays for damage and injuries you cause to others but does not cover your own vehicle. Full coverage adds comprehensive and collision coverage to your policy, which pays for damage to your own vehicle from accidents, theft, and other covered losses.
How does auto insurance work if you are in an accident?
After an accident, you file a claim with your insurance company. They assign an adjuster to assess the damage and determine what your policy covers. Depending on who is at fault and what coverage you carry, your insurer will pay for repairs, medical bills, or other covered losses up to your policy limits, minus your deductible.
What are the different parts of an auto insurance policy?
A standard auto policy typically includes several coverages:
- Property Damage Liability and Bodily Injury for harm you cause to others.
- Collision and Comprehensive Coverage protects your own vehicle.
Uninsured/Underinsured Motorist Coverage protects you when the at-fault driver doesn’t have adequate insurance.
Why does your driving record affect your auto insurance premium?
Insurance companies use your driving record to assess how likely you are to file a claim. Accidents and violations signal higher risk and result in higher premiums, while a clean record typically qualifies you for lower rates and may make you eligible for safe-driver discounts.
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