Revised Code of Washington

Wash. Rev. Code § 46.29.260 (2026)

"Proof of financial responsibility for the future" defined

✓ current as of May 2026
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The term "proof of financial responsibility for the future" as used in this chapter means: Proof of ability to respond in damages for liability, on account of accidents occurring subsequent to the effective date of said proof, arising out of the ownership, maintenance, or use of a vehicle of a type subject to registration under the laws of this state, in the amount of 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, in the amount of fifty thousand dollars because of bodily injury to or death of two or more persons in any one accident, and in the amount of ten thousand dollars because of injury to or destruction of property of others in any one accident. Wherever used in this chapter the terms "proof of financial responsibility" or "proof" shall be synonymous with the term "proof of financial responsibility for the future."
[ 1980 c 117 s 4; 1967 ex.s. c 3 s 2; 1963 c 169 s 26.]

Notes:

Effective date1980 c 117: See note following RCW 48.22.030.
Effective date1967 ex.s. c 3: See note following RCW 46.29.090.
Notes of Decisions
Cited in 9 cases, 1971–2001 · leading case: Mut. of Enumclaw Ins. v. Wiscomb, 643 P.2d 441 (Wash. 1982).
Mut. of Enumclaw Ins. v. Wiscomb, 643 P.2d 441 (Wash. 1982). “) RCW 46.29.260. The individual may demonstrate financial responsibility for the future by: (1) filing a certificate of insurance; (2) posting a bond; (3) depositing securities in the amount of $60,000; or (4) providing a certificate of self-insurance.”
Blackburn v. State Farm Mut. Auto. Ins., 697 P.2d 425 (Idaho 1985). · cites it 2× “) RCW 46.29.260. The individual may demonstrate financial responsibility for the future by: (1) filing a certificate of insurance; (2) posting a bond; (3) depositing securities in the amount of $60,000; or (4) providing a certificate of self-insurance.”
Mut. of Enumclaw Ins. v. Wiscomb, 622 P.2d 1234 (Wash. 1980). “RCW 46.29.260, .420. Such proof may be made by a showing of a motor vehicle liability policy.”
Royse v. Boldt, 491 P.2d 644 (Wash. 1971). “” RCW 46.29.260. The statute does not impose its requirements as to proof of financial responsibility until the occurrence of certain accidents, convictions or bail forfeitures.”
New Hampshire Indem v. Budget Rent-A-Car, 35 P.3d 1180 (Wash. Ct. App. 2001). “Second, the financial responsibility act requires the individual to demonstrate "financial responsibility for the future".”
New Hampshire Indem. Co. v. Budget Rent-A-Car Sys., Inc., 109 Wash. App. 394 (Wash. Ct. App. 2001). “RCW 46.29.260. Id. at 206-07 . At the time of the accident here, there was no indication that Budget had a prior incident triggering the FRA.”
Keyes v. Dep't of Motor Vehs., 528 P.2d 283 (Wash. Ct. App. 1974). “RCW 46.29.260. Also, it may readily be observed that a practical effect of a report of a driving while intoxicated conviction is a very likely increase in automobile insurance rates.”
Miller v. Aetna Life & Cas. Co., 851 P.2d 1253 (Wash. Ct. App. 1993). “See also RCW 46.29.260. An underinsured motor vehicle is defined in RCW 48.”
Johnson v. Dep't of Licensing, 731 P.2d 1097 (Wash. Ct. App. 1986). “RCW 46.29.260. Such proof may be provided by filing a certificate of insurance, a bond, a certificate of deposit of money or securities, or a certificate of self-insurance.”
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