Wash. Rev. Code » Title 46 · Chapter 46.29
Revised Code of Washington

Wash. Rev. Code § 46.29.090 (2026)

Requirements as to policy or bond

✓ current as of May 2026
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(1) No policy or bond is effective under RCW 46.29.080 unless issued by an insurance company or surety company authorized to do business in this state, except as provided in subsection (2) of this section, nor unless such policy or bond is subject, if the accident has resulted in bodily injury or death, to a limit, exclusive of interest and costs, of not less than twenty-five thousand dollars because of bodily injury to or death of one person in any one accident and, subject to said limit for one person, to a limit of not less than fifty thousand dollars because of bodily injury to or death of two or more persons in any one accident, and if the accident has resulted in injury to, or destruction of, property to a limit of not less than ten thousand dollars because of injury to or destruction of property of others in any one accident.
(2) No policy or bond is effective under RCW 46.29.080 with respect to any vehicle which was not registered in this state or was a vehicle which was registered elsewhere than in this state at the effective date of the policy or bond or the most recent renewal thereof, unless the insurance company or surety company issuing such policy or bond is authorized to do business in this state, or if said company is not authorized to do business in this state, unless it executes a power of attorney authorizing the director of licensing to accept service on its behalf of notice or process in any action upon such policy or bond arising out of such accident.
(3) The department may rely upon the accuracy of the information in a required report of an accident as to the existence of insurance or a bond unless and until the department has reason to believe that the information is erroneous.
[ 1980 c 117 s 3; 1979 c 158 s 155; 1967 ex.s. c 3 s 1; 1963 c 169 s 9.]

Notes:

Effective date—1980 c 117: See note following RCW 48.22.030.
Effective date—1967 ex.s. c 3: "This amendatory act shall take effect on July 1, 1968." [ 1967 ex.s. c 3 s 6.]
Notes of Decisions
Cited in 9 cases (1 in the last 5 years), 1967–2021 · leading case: Progressive Cas. Ins. v. Jester, 683 P.2d 180 (Wash. 1984).
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Progressive Cas. Ins. v. Jester, 683 P.2d 180 (Wash. 1984). · cites it 2× “070(1); see also RCW 46.29.090(1) (requiring minimum coverage of $25,000 for each 1-person accident, $50,000 for each 2-person accident).”
Safeco of Illinois v. Auto. Club Ins., 31 P.3d 52 (Wash. Ct. App. 2001). “RCW 46.29.090. [26] Mendoza, 140 Wash.2d at 671 , 999 P.”
Safeco Ins. v. Auto. Club Ins., 108 Wash. App. 468 (Wash. Ct. App. 2001). “RCW 46.29.090. Mendoza, 140 Wn.2d at 671 .”
S&K Motors, Inc. v. Harco Nat'l Ins., 151 Wash. App. 633 (Wash. Ct. App. 2009). “020; RCW 46.29.090. Mut. of Enumclaw Ins. Co. v.”
Safeco Ins. Co. of Am. v. McManemy, 432 P.2d 537 (Wash. 1967). “The same monetary limits are now contained in RCW 46.29.090.”
S & K Motors, Inc. v. Harco Nat. Ins. Co., 213 P.3d 630 (Wash. Ct. App. 2009). “020; RCW 46.29.090. [25] Mut. of Enumclaw Ins.”
Diaz v. Nat'l Car Rental Sys., Inc., 977 P.2d 1258 (Wash. Ct. App. 1999). “RCW 46.29.090(1). RCW 48.22.030(2). Clerk’s Papers at 125.”
State Of Washington v. David Olson (Wash. Ct. App. 2019). “Although Olson’s insurance policy is not in the record, there is nothing to indicate that it did not satisfy the requirements of law set forth in RCW 46.29.090(1). The mandatory coverage amounts encompassed in the statute reflect policy choices that the legislature has the power…”
Aliona Kosovan, V. Omni Ins. Co. (Wash. Ct. App. 2021). “Roland’s policy limit for personal injuries was $25,000 for any single person injured in a collision, which is the mandatory minimum bodily injury coverage allowed under RCW 46.29.090. USAA accepted full liability for the collision on behalf of Roland.”
— Wash. Rev. Code § 46.29.090(1) — 3 cases
Progressive Cas. Ins. v. Jester, 683 P.2d 180 (Wash. 1984). “070(1); see also RCW 46.29.090(1) (requiring minimum coverage of $25,000 for each 1-person accident, $50,000 for each 2-person accident).”
Diaz v. Nat'l Car Rental Sys., Inc., 977 P.2d 1258 (Wash. Ct. App. 1999). “RCW 46.29.090(1). RCW 48.22.030(2). Clerk’s Papers at 125.”
State Of Washington v. David Olson (Wash. Ct. App. 2019). “Although Olson’s insurance policy is not in the record, there is nothing to indicate that it did not satisfy the requirements of law set forth in RCW 46.29.090(1). The mandatory coverage amounts encompassed in the statute reflect policy choices that the legislature has the power…”
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