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Washington Car Accident Laws: Fault, Insurance, and Your Claim

Independently fact-checked against primary sources (last audited August 18, 2026). · Reviewed by the RecordingLaw editorial team. · Law checked current as of August 18, 2026. · 7 primary sources cited on this page. How we verify our legal content

Washington Car Accident Laws: Fault, Insurance, and Your Claim

Updates

Corrected the UM/UIM rejection rule to match RCW 48.22.030(4), which requires only a written rejection and not a signature, and added the RCW 46.52.030(1) carve-out that relieves drivers of the four-day report when an investigating officer files the report instead.

Independently fact-checked against the cited primary sources; governing law re-checked for recent changes

Re-cited Washington's general duty to report a crash to law enforcement to RCW 46.52.030; RCW 46.52.010 actually governs collisions with an unattended vehicle or fixed roadside property, not the general reporting duty.

Removed an unsupported claim that RCW 48.22.030 requires a bold, prominently placed UM/UIM rejection notice above the signature line; the statute's actual text only requires the rejection to be in writing.

Governing law re-checked for recent changes

Governing law re-checked for recent changes

Reviewed and approved by an editor

Sources and References

  1. RCW 46.29.090 — Minimum liability limits (25/50/10)(app.leg.wa.gov).gov
  2. RCW 46.30.020 — Mandatory liability insurance requirement(app.leg.wa.gov).gov
  3. RCW 4.22.005 — Pure comparative fault(app.leg.wa.gov).gov
  4. RCW 4.16.080 — 3-year statute of limitations for personal injury(app.leg.wa.gov).gov
  5. RCW 48.22.030 — UM/UIM offer and written-rejection requirement(app.leg.wa.gov).gov
  6. RCW 48.22.085, .095, .100 — PIP offer and minimum benefits(app.leg.wa.gov).gov
  7. WAC 284-20-300 — PIP offer/minimums (Insurance Commissioner rules)(apps.leg.wa.gov).gov
  8. RCW 46.52.030 — Driver's four-day accident report, subject to the officer-report carve-out in subsection (3)(app.leg.wa.gov)
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