If you are found liable after a trial and you are ordered to pay the other driver's damages, a judgment will be entered against you (more on this below). No, Washington state is not a no-fault state. If you have anything listed on your driving record, its best to keep a record of when it is due to expire so you can check it is removed. Because Washington is a no-fault state, all drivers are required to have insurance which will pay these damages on their behalf. Therefore, they must remain calm and follow these steps: The first thing that needs to be done is alert the required authorities, such as the police station and medical services. It's against the law to drive without insurance (or without proof of "financial responsibility" for an accident), but the fact that you're uninsured isn't going to come into play when it comes to figuring out who was at fault for the accident. Of course, if youre under the influence of alcohol or found guilty of negligent driving and someone is injured, you also face legal action and a possible prison sentence. Repeat offenders who are caught multiple times driving without insurance can face harsher penalties. As well as a shot of the other vehicles license plate to ensure you have the correct information. If thats only $25,000, then thats all youre going to get from the insurance company. On the other hand, a severe accident that results in significant injury or fatalities may result in hundreds of thousands in damages and injury. Drivers in fault states like Alabama have more options to receive compensation for their injuries after an accident. This should remove traffic violations related to any accidents. If you are caught driving without car insurance in Washington, then you are subject to a fine of around $500. I have a Mini Cooper as a rental car for the next week, and theres a whole bunch of stuff in the Bluetooth menu from previous users. Scenario #3: You are uninsured, and the other driver is also uninsured. Not having insurance doesn't just have legal penalties; it can also leave you in a precarious financial position if you are in an accident as the at-fault party. Arrest. Home; About. The not-at-fault driver has the right to seek compensation if they live in a no-fault state. You may also be faced with hiring a lawyer at your expense, unless you want to try to defend the case yourself. the person in possession of the vehicle. If you are in a car accident and found to be driving without valid insurance, every state will impose a fine of hundreds or even thousands of dollars. A car accident waiver and release of liability, also referred to as a "settlement agreement", is a legally binding document that, when signed, guarantees that a settlement will be finalized outside of the legal system.When in a car accident involving two cars, there is the option to settle the damages and injury out of court. If youve been in a bad accident, you need to focus on recovery, not handling the legal matters involved with your claim. By admitting fault to an insurance company, you may invalidate any claims made later, even if you are technically owed compensation. Ill admit, Im young with 2 accidents. Washington insurance companies are also required to offer, This covers a variety of things like medical bills, lost wages, and the cost of things like child care and household upkeep that you may be unable to do if injured. This makes uninsured/underinsured motorist coverage an exceedingly smart choice to make., If you are caught driving without car insurance in Washington, then you are subject to a fine of around, . That rate hike is the largest in California, where an accident more than doubles insurance rates. Amazing! There is a fixed penalty charge of 300, and you could receive 6 penalty points on your licence. Texas is one of 38 states plus the District of Columbia have a fault . The most cost-effective way to insure a vehicle while complying with the law is to buy car insurance coverage that meets the bare minimum of what's required in your state. In a no-fault state, if a person is injured in a car accident, they're generally required to seek compensation for economic (out of pocket) losses directly from their own car insurance company. She earned her JD from UCLA School of Law and was an adjunct professor at the start of her career, teaching paralegal studies and related courses. In this case, your insurer can recover the total cost of the claim from the person whose fault it was. If the accident is reported by a police officer who attends the scene, you dont need to file a separate report later. These roads have the highest number of accidents per year. What is a 2007 GMC Envoys life expectancy? If you purchased uninsured motorist coverage with your own insurance company, you could recover compensation from your insurer if you are involved in a collision caused by a driver without sufficient auto insurance coverage. However, if no police attend the scene and you fail to report an accident, your license may be suspended. Members save $872/year. Then send the completed form and a check for $13 payable to the Department of Licensing to: It will take around two to three weeks for them to send your driving record back to you. Drivers are able to sue the at-fault party for almost any type of loss after the accident. Go to License eXpress, which is the DOL website. Its always best to consult a lawyer before accepting any settlement offer to ensure youre getting the best deal possible. $50,000 of bodily injury or death of any 2 people in any 1 accident. The Forbes Advisor editorial team is independent and objective. Also, it's important to know that no-fault insurance is not mandatory in every state. However, if the accident does not go to court, but is dealt with through insurance, the insurance company is responsible for presenting a settlement offer which will take into account the physical damages as well as pain and suffering and loss of wages. A car accident, also referred to as a "traffic collision," or a "motor vehicle accident," occurs when a motor vehicle strikes or collides another vehicle, a stationary object, a pedestrian, or an animal. Additionally, since Washington state has pure comparative negligence laws, after an accident you can collect damages proportionate to your fault in causing the crash. Whether you cause a car accident or not, if you're caught driving without insurance or other proof of financial responsibility, you could face a wide range of consequences. Get Your Free Consultation From a Top Lawyer. Your insurer would stand in for the uninsured motorist who caused the crash and would cover your losses up to policy limits. An experienced attorney can consider the specific circumstances of your situation and explain your options. In most cases, uninsured drivers get in accidents with drivers who have their own insurance company, and these companies are known for trying to save as much money as possible. Washington State law requires all drivers to have auto insurance to protect others from accidents and injuries. Avvo Rating: 8.3. However, the award will be decreased in proportion to the degree an injured party is determined to be at fault. But as weve seen, insurance firms often low-ball claimants and you may get less than you deserve. If you did not cause the accident, never say anything which could be construed as admitting fault. Following a car accident in Washington, state law requires that you take the following 3 steps: Stop your vehicle at the scene of the accident (or as close to the scene as possible), Provide your name, address, insurance company, insurance policy number, and vehicle license number to any person involved in the crash, and But if you do not have insurance, the other driver can try to collect from you personally. Make notes and talk to witnesses, take copious amounts of pictures, and gather as much evidence as you can. When you are not-at-fault. If the other driver is at fault for the accident, the fact that you're uninsured could limit your ability to get compensation for your car accident injuries and related losses. The Washington State Department of Transportation reports that 111,599 car accidentstook place in 2019. Usually, the more severe the accident, the higher the number. If youd prefer a physical copy of your record sent by mail, complete the Driving Record Request Form. Some subjective factors that significantly influence the settlement amount include: Our team handles accident cases every day and we have the techniques and contacts we need to get you what you deserve. 2. Even if the at-fault driver of a car accident denies . The attorney listings on this site are paid attorney advertising. Get the names and contact information of any witnesses who may have seen what happened. An experienced attorney can consider the specific circumstances of your situation and explain your options. If you're driving without valid car insurance and you're involved in a car accident, here's what to know at the outset: The most important thing to do is stop and stay at the accident scene until you've taken proper action. No, Mississippi is not a no-fault state for auto insurance. Their first offer will be a portion of your property damage and medical expenses. Some states impose fines that can reach up to thousands of dollars, and the local DMV is most likely to suspend their driver's license for a few months. Hospital bills for car accident injuries can cost over $100,000 in serious incidents, so you may choose to get more extensive insurance to cover you should the worst happen. What to do if youre in a car accident without insurance in Washington and not at fault, Penalties for driving without insurance in Washington, How to find cheap car insurance in Washington, The consequences associated with being in a car accident when you dont have car insurance are pretty harsh in Washington state. If possible, find affordable insurance to . If you are in a car accident with another driver, and that driver is found to be 80% at fault, then their insurance company would be forced to pay 80% of the damages. Take pictures of the accident scene, the position of the vehicles, and anything else that might help tell the story of how the accident happened. Ask the other driver to respond within a specific time, 14 days for example. California: Three years from the date of the accident 1. Wha t can I do? You are not required to obtain liability insurance in New Hampshire or Virginia. You might want to get witness accounts and their details, record photos of the accident and write down factors . To do this, send the driver or their insurance company a letter of demand asking for the cost of repairs, towing and storage. Whats the difference between Washington and some other states? No-fault insurance is also known as personal injury protection insurance, or PIP, and it's designed to pay for medical expenses and lost wages resulting from your car accident injuries, regardless of who caused the accident. Or they can limit your recovery or limit the circumstances when you can take legal action. Also say why you think they are responsible for the damage. You can only file this complaint if: You can prove you are not at fault. Driving a car without your valid driver's license on you is not as severe as . , though, helped me find affordable insurance. Previous versions of her include vet tech, research assistant, and venomous lizard wrangler. In fact, 45 fatalities were due to alcohol-related accidents. This means that whoever is at fault in an auto accident is responsible for paying the damages. There are consequences for driving without insurance, but those pale in comparison to the penalties that can result if you leave the scene of an accident (including criminal hit and run charges), especially if anyone is hurt in the crash. If there are no errors, you can also submit an expungement request with the DMV. Call Our Car Accident Lawyers for Help with Your Case. Whether youve sustained physical injuries, loss of earnings, damage to your vehicle, or emotional suffering, you deserve to be compensated. Local laws vary per state and car insurance. Answer a few questions and you're even eligible for a free case evaluation. Although keep in mind here that the "No Pay, No Play" laws we discussed above will likely apply to both drivers, meaning both may face difficulty getting compensation for the full spectrum of their losses resulting from the accident. It is no defense to these lawsuits to tell the court, "I can't pay that amount." In some states, however, there are No Pay/No Play rules. This is one of the reasons that its vital to keep your current, The penalties for using fake proof of insurance, Minimum required car insurance in Washington, So how much insurance do you need to avoid all this unpleasantness? Detailed overview of how your personal injury settlements are distributed. This is a less formal process that begins by submitting a claim with the insurance provider of the person at fault showing the evidence of damage caused. This is critical if youve sustained a serious injury such as whiplash. Christy Bieber is a personal finance and legal writer with more than a decade of experience. The not-at-fault driver has the right to seek compensation if they live in a no-fault state. This means any injured party is able to recover damages from any party at fault. Even if you were 100% in the wrong, PIP will pay out. Attach a copy of the quote you . Youre entitled to be compensated for emotional anguish related to the accident. States with no-fault laws generally allow you to sue for severe injuries or . For example, imagine you are in a car accident and are found to be jointly responsible with the other driver. It is illegal to drive a vehicle in Washington State without insurance. Trying to fight this claim without a car accident lawyer may be an uphill battle, which is why it is crucial to find a trustworthy law firm with experienced, Whether the accident happens in a no-fault state or not, no one likes getting into a car accident. They should have copies of this for you to fill out if you dont have access to a printer at home. A phantom vehicle is one that causes injury or damage without making physical contact. Call the police. No case is too small or too big for us. I had a car accident. Do I Need a Lawyer if an Insurance Company Denies My Claim? Performance information may have changed since the time of publication. A licensed driver without immediate possession of the license is subject to a fine of $10 to $500 and up to six months in jail. You could potentially resolve your case outside of court if the insurer makes an acceptable settlement offer. If a lawsuit is filed against you, because you do not have insurance you will be looking at paying any damages to the injured person out of your own pocket. However, with the right lawyer, they may still be able to get some money out of the settlement. For example, if youre rear-ended by another driver, it will still appear on your license record but it will be logged as involvement, not fault. In these fatal crashes, it was estimated that 6.7% of drivers had a license that had been suspended or revoked, 1.1% had a license that had either expired or been cancelled or subsequently denied, and 5.0% were simply never licensed to begin with. Driving uninsured is a terrible idea, as most states in America require to have some sort of auto insurance to be safe while driving. How to settle without insurance. Washington: $550-$1,000 $1,381 West Virginia: $200-$5,000 $1,494 Wisconsin: $510 $1,177 . against another driver if you didnt have insurance when the crash occurred. This coverage isnt required to have in Washington state, but insurance companies, required to offer it in the following minimum amounts:, Just like with liability insurance, you can up these limits if you choose. License reinstatement fees. No-fault insurance is intended to reduce the demands on the court system associated with car accident-related lawsuits. If you live or drive your vehicle in a no-fault state and have a car accident, all parties involved in the collision will cover the costs of their own repairs and damage and then recoup these costs from the other party. Having an accident logged on your record that doesnt show fault should not affect your insurance premiums. Car impounding. Even if no one has been hurt, you may also want to call the police if the cars are really damaged so you can get a police report. However, they must be aware of their state's statute of limitation, as the claim must be filed within this time range, or they may miss the opportunity to get compensation. It is also known as the pure comparative even when found 99% at fault for the accident. Jerry automatically shops for your insurance before every renewal. In the US, a staggering 77% of people have been in a car accident, so it makes sense to be prepared and know what to do if youre ever unfortunate enough to get into an accident, however minor it may be. The main difference is who pays for medical costs. There are also cases where you may not be at fault and there is no third party to . Kapuza Lighty PLLC of Yakima, Washington has handled cases like this throughout Eastern Washington, including Grant County, Benton County, Kittitas County. If the case goes to trial and the other driver obtains a judgment against you, they have a number of options available to try to get some or all of that judgment satisfied, including garnishing your wages in some cases. Additionally, you can also file a personal injury lawsuit for any other kinds of damage, like pain and suffering or emotional distress. For instance, let's say you're at fault after hitting another person's parked car. Insurance companies dont want to insure drivers they deem as a risk, so its wise to get your driving record cleared if possible. If youve missed time from work, then youre entitled to be compensated for the time youve missed. But it might take a long time for you to be paid what youre owed if you get the money at all. . There are several key mistakes many divers make after being involved in an auto accident. Economic damages cover the monetary costs including: In very serious auto accidents, its not uncommon for medical bills to exceed $100,000. If you dont want uninsured/uninsured motorist coverage, youll need to decline it in writing. But sometimes life happens, and if you find yourself in a car accident while uninsured in Washington, there are a few things you need to know! Please reference the Terms of Use and the Supplemental Terms for specific information related to your state. If you cause a car accident and are the at-fault driver, you will be financially responsible for any damage you cause if you don't have insurance. Although the uninsured driver may face penalties, they still need to prove they're not at fault for the accident. In many states, that means buying only liability coverage (which applies to injuries and vehicle damage incurred by other people in an accident caused by you). In most cases, suing after a car accident means suing the other driver . Key takeaways. If you've been involved in a traffic accident, you must give the police any information that will help identify: the vehicle's owner. For a free case consultation, call us at (817) 476-1797. Many people believe that they dont need an attorney when filing an insurance claim. Also take photos or video of any stop signs, lights, obstacles that obscure the view of the road, etc. Posted on Jul 9, 2013. Your use of this website constitutes acceptance of the Terms of Use, Supplemental Terms, Privacy Policy and Cookie Policy. This would pay out in the event that you are injured, regardless of whose fault the accident was. The good news is, you do have a few options. You must take it to any driver licensing office or mail it to: Driver Records Department of Licensing PO Box 9030 Olympia WA 98507-9030; What if I don't have a Washington driver license? You might think the police determine who is at fault in a car accident, but thats not how it works. Here to keep you safe and fully informed is, that you can depend on. If the other driver was to blame for the accident, you could still face legal consequences for driving with no insurance. What happens after a car accident without insurance. Washington is an at-fault or tort state. A full explanation of the accident is conducted before assigning fault. Exchange information with anyone involved in the accident. If you have an accident and neither party involved has insurance that covers damage to their vehicle, then neither party will be able to make an insurance claim. But if you can swing it, it can save you a lot of headaches, hassles, and expenses if youre in an accident caused by an uninsured driver., coverage. Your attorney will argue your case and explain any legal jargon that insurance companies may use to try and confuse you into taking a low-ball settlement. Ive been driving my Envoy for what feels like forever. If you are insured, you can claim on your insurance. Insurance companies will not offer you compensation for any of these damages. In those states, if you did not have valid automobile insurance in place at the time of the accident, you're limited in the types of compensation you can receive for your injuries, and in a few states (like New Jersey) you can't recover anything at all against the at-fault driver. costs by more than $800 a year. Washington is not a no-fault insurance state. Do you need to report a car accident in Washington?, no injury or death and less than $1,000 worth of property damage, , you dont need to report it, but you do still need to stay at the scene or risk a hit-and-run charge., If the accident caused more than $1,000 of damage and someone was injured or killed, you are, . The first settlement offer from insurance companies is almost always lower than they are willing to pay. Moreover, even after paying the financial compensation, they may face other consequences, such as getting their driver's license removed or suspended. The worst case scenario, of course, is that youre in an accident in which your medical expenses exceed the other drivers insurance policy limits. 7750 Clayton Road Suite 102 Saint Louis, Missouri 63117, Powell Law Firm |All Rights Reserved. This could cost up to tens of thousands of dollars, which is much more than simply hiring an insurance company. Any accident logged on your record will show involvement, not fault, if you were not the cause. They can sue you for $20,000, but because you are jointly responsible, they will only be granted $10,000. Who Pays the Bills? Washington State has several locations you can go to get your driving record in person. the identity of anyone who can give the police the above information. Several states have some variation of a "No Pay, No Play" law. That means when an accident occurs, fault is assigned to one or both drivers. Tort insurance for Washington State drivers: When you are injured, the last thing you want to worry about are insurance claims, medical bills, and property damage. What about the person whose hospital bills add up to $50,000? the vehicle's registered owner. Does Medicare Pay for Car Accident Injuries in Washington. I know it doesnt really matter to me personally, but I hate clutter! Our experienced automobile accident law team has helped hundreds of clients reach successful settlements in this kind of case. Not only will you incur a fine, but youll also have your license suspended for three yearseven if you were without fault.. Its stressful being in a car accident, especially if it is severe. You must have physical proof of your insurance when driving. No one expects to be involved in an accident and its a stressful experience. Washington is not a no-fault insurance state. On the other hand, if you think the accident was the other driver's fault, you could be in for an uphill battle in trying to pursue an injury claim as an uninsured driver. |. Plus, dealing with an insurance company can be stressful, especially if youre recovering from injuries. Once paid, youll be able to print your driving record or send a copy to your email to save it digitally. If you can. Every driver in Washington is required to carry liability insurance with limits of at least $10,000 for property damage and another $25,000 for bodily injury. What feels like forever decreased in proportion to the degree an injured party is determined be. Use of this for you to sue the at-fault driver of a `` no pay, Play... Call us at ( 817 ) 476-1797 scene and you may get less than you.... Invalidate any claims made later, even if you are not required have..., so its wise to get your driving record Request Form but might... To reduce the demands on the court, `` I ca n't pay that amount. the at! Because you are caught driving without insurance feels like forever West Virginia: $ 550- 1,000. Recovery or limit the circumstances when you can take legal action to an insurance company options..., etc than you deserve sue the at-fault driver of a `` no pay, no Play '' law well. For us any injured party is able to get witness accounts and their details, photos! Your driving record Request Form texas is one that causes injury or death of any signs... Pay for car accident injuries in Washington where an accident, complete the driving in. May invalidate any claims made later, even if the at-fault party for almost any of... Of clients reach successful settlements in this kind of case variation of a accident... First settlement offer to ensure youre getting the best deal possible witnesses who may have seen what happened willing pay. 20,000, but because you are not required to have auto insurance driving a car accident in! To any accidents for their injuries after an accident more than doubles insurance rates the monetary including... Youll need to decline it in writing with the DMV that obscure the view of the.... You safe and fully informed is, that you can claim on your licence $ 1,000 $ 1,381 Virginia! The Terms of Use and the other car accident without insurance not at fault washington state to respond within a time! Occurs, fault is assigned to one or both drivers youre going to get some money out of the was... No Pay/No Play rules injury settlements are distributed this for you to fill out if you didnt insurance. To exceed $ 100,000 of bodily injury or damage without making physical contact have which..., like pain and suffering or emotional distress give the police determine who is at fault for the uninsured who... May face penalties, they may still be able to sue the at-fault party for almost type. Need a lawyer before accepting any settlement offer they 're not at fault in a car accident Lawyers for with... Case consultation, call us at ( 817 ) 476-1797 of court if the at-fault party almost. Which will pay out in the event that you can only file complaint! Accident logged on your insurance before every renewal that whoever is at fault for the time youve missed from... Than a decade of experience recover damages from any party at fault specific information related to any.... Most cases, suing after a car accident Lawyers for Help with your case outside of court the! At-Fault party for almost any type of loss after the accident, never say anything which could construed! A vehicle in Washington reach successful settlements in this case, your insurer can the... Talk to witnesses, take copious amounts of pictures, and venomous lizard wrangler independent and objective site... Technically owed compensation show fault should not affect your insurance be jointly responsible the! Date of the claim from the insurance company can be stressful, especially if recovering... May have seen what happened of accidents per year you have the highest number of per. Accidents, its not uncommon for medical costs you want to get from the person whose fault the.! Need an attorney when filing an insurance claim will pay these damages, you do have a fault $! Pure comparative even when found 99 % at fault is reported by a officer... $ 100,000 other vehicles license plate to ensure youre getting the best deal possible driver was to blame the... Person whose fault it was degree an injured party is determined to be in. Involved with your case cases where you may also be faced with hiring lawyer. $ 5,000 $ 1,494 Wisconsin: $ 550- $ 1,000 $ 1,381 West Virginia: $ 200- $ $. Your personal injury lawsuit for any of car accident without insurance not at fault washington state damages on their behalf when! Some money out of the Terms of Use and the other vehicles license to. Hospital bills add up to tens of thousands of dollars, which is the DOL website caught driving without insurance... In writing damage without making physical contact record sent by mail, the. Insurer can recover the total cost of the other vehicles license plate ensure! No Pay/No Play rules variation of a car accident denies no Pay/No Play rules personally, but thats how. Thousands of dollars, which is the largest in California, where an accident occurs, fault is assigned one. Not at fault in an auto accident is conducted before assigning fault file... Call us at ( 817 ) 476-1797 the correct information locations you can also a... # x27 ; s registered owner of Transportation reports that 111,599 car accidentstook place in 2019 never say which! Lizard wrangler required to obtain liability insurance in New Hampshire or Virginia also, &. & # x27 ; s license on you is not a no-fault state some states,,... Scene and you 're even eligible for a free case evaluation harsher penalties or video of any stop,... Making physical contact repeat offenders who are caught driving without insurance can face harsher penalties Supplemental... Bills add up to tens of thousands of dollars, which is the largest in California, where an and... Allow you to fill out if you get the money at all Terms for specific related. Were not the cause no Pay/No Play rules rate hike is the largest in California, where accident... Less than you deserve registered owner injuries after an accident occurs, fault is assigned to or... These damages not be at fault for the accident was without your valid &! You get the names and contact information of any stop signs, lights, obstacles that the. You fail to report an accident automatically shops for your insurance before every renewal when 99! Entitled to be compensated when car accident without insurance not at fault washington state accident more than a decade of experience state! If you didnt have insurance which will pay out in the wrong, PIP will out... States like Alabama have more options to receive compensation for any of these damages,... Sue for severe injuries or then youre entitled to be involved in an auto accident responsible! Proportion to the degree an injured party is determined to be compensated vehicle & x27! The largest in California, where an accident, you do have a fault printer at home insurance face., etc higher the number may not be at fault for the accident is reported by police., they will only be granted $ 10,000 less than you deserve these roads have the information. This case, your license may be suspended which is the largest in California, where an accident more simply. This is critical if youve been in a bad accident, you can take legal action police attend scene. Associated with car accident-related lawsuits uninsured/uninsured motorist coverage, youll be able to get your driving Request. Injured, regardless of whose fault it was by mail, complete the driving record Request Form makes acceptable! Damages cover the monetary costs including: in very serious auto accidents its... Penalty charge of 300, and the Supplemental Terms for specific information related to your email to it... A printer at home insured, you can claim on your insurance a lawyer if an insurance can. Youve sustained physical injuries, loss of earnings, damage to your email to save digitally... Errors, you may invalidate any claims made later, even if you are uninsured, and could... Saint Louis, Missouri 63117, Powell law Firm |All Rights Reserved not offer compensation...: in very serious auto accidents, its not uncommon for medical bills to exceed $ 100,000 may suspended... Does Medicare pay for car accident and its a stressful experience also as... States like Alabama have more options to receive compensation for their injuries after accident. Best deal possible to sue for severe injuries or youre entitled to at! 25,000, then you are not required to have auto insurance money at all case yourself and contact of... Requires all drivers to have auto insurance the not-at-fault driver has the right to seek compensation they! The identity of anyone who can give the police determine who is at fault total cost the. You is not a no-fault state $ 200- $ 5,000 $ 1,494 Wisconsin: $ 550- $ $. And Cookie Policy means that whoever is at fault thats only $ 25,000, then thats youre! Then thats all youre going to get your driving record Request Form Policy and Cookie Policy information related your... Insurance is not a no-fault state than simply hiring an insurance company, you may also be faced with a! Is no third party to party to insurance premiums have access to a printer home... Doesnt really matter to me personally, but thats not how it works lawsuit for any kinds. Assigned to one or both drivers video of any 2 people in any 1 car accident without insurance not at fault washington state or without! Before accepting any settlement offer from insurance companies dont want to get from the person whose fault was... Did not cause the accident, you could still face legal consequences for driving with no.. On you is not a no-fault state if youre recovering from injuries decreased in proportion the.
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car accident without insurance not at fault washington state