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When it comes to Washington and Oregon auto insurance, Vern Fonk knows more than just about anyone. After all, we’re a second generation insurance company, with thousands of satisfied insurance clients throughout Washington and Oregon. And we use our auto insurance knowledge to give our Washington and Oregon auto insurance customers unparalleled service at a great rate. Request a Washington or Oregon auto insurance quote today and see how much Vern Fonk can save you!

Get the peace of mind that comes from knowing an accident or repair won’t disrupt your busy life. With Vern Fonk, you can rest assured that your personal auto insurance coverage or commercial auto insurance coverage will be there when you need it.

Washington and Oregon High Risk Auto Insurance

Have an SR22? A DUI on your record? No worries! We specialize in Washington and Oregon auto insurance ranging

from high risk to a perfect driving record. We can protect you if you have a DWI, reckless driving, driving while

suspended, no insurance, bankruptcy, international driver’s license, or multiple accidents on your record.

Types of Washington Auto Insurance and Oregon Auto Insurance Vern Fonk Offers

Auto insurance coverage can seem confusing – but the Vern Fonk insurance agents are here to make it easier.

At Vern Fonk, we’ll work with you to determine the appropriate auto insurance coverage for your needs.

  • Bodily Injury Protection – The policy pays when you or a family member is legally liable for causing bodily injury
    to another person. It also pays court defense costs.
  • Property Damage Liability – The policy pays when you or a family member is legally liable for causing damage to
    someone else’s property. It also pays court defense costs.
  • Uninsured Motorist Bodily Injury – The policy pays for injuries you or your family member receives from an uninsured
    or underinsured motorist.
  • Uninsured Motorist Property Damage – The policy pays for damage to your property from an uninsured or
    underinsured motorist.
  • Personal Injury Protection – The policy pays medical expenses, income loss, and benefits for extra expenses for you,
    members of your household, and guests in your car in case of accidental injury or death. You must have liability
    coverage to purchase PIP.
  • Collision – The policy pays for damage to your car from collision or upset regardless of fault, subject to your deductible.
  • Comprehensive– The policy pays for damage to your car other than collision or upset, subject to your deductible.This includes fire, theft, vandalism and glass breakage.
  • Towing & Labor– The policy pays for towing and labor when your car will not operate under its own power.Labor is covered only at the site of breakdown.
  • Rental Car Reimbursement – The policy pays for rental reimbursement when your vehicle is being repaired due
    to an event covered by your policy.
Vern Fonk Auto Insurance Discounts

At Vern Fonk, we offer the following auto insurance discounts in both Washington and Oregon:

  • Auto + Homeowner’s Discount
  • New Customer Discount
  • Safe Driver Discount
  • Multi-car Discount
  • Good Student Discount
We Know the Washington Auto Insurance Laws

Washington mandates all drivers in a household to be covered by liability insurance and have proof of insurance in

the vehicle with them at all times.

Washington Auto Insurance Minimums

  • $25,000 bodily injury for one person
  • $50,000 per accident
  • $10,000 property damage

Washington Minimum Liability Coverage

    Each state sets its own minimum liability amounts. In Washington they are as follows:

  • Bodily Injury for One Person: $25,000
  • Bodily Injury for All Injuries: $50,000
  • Property Damage: $10,000

Washington Uninsured/Underinsured Motorist Coverage

Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage.

This protects a driver in case they are involved in an accident and the other person is not adequately covered
by an auto insurance policy.

No Fault Insurance

In Washington, you are not required to carry no-fault insurance. Washington is a Tort state meaning that the driver at
fault must pay a victim’s medical expenses. Further, the victim can also pursue compensation for additional lost wages
as well as pain and suffering.

We Know the Oregon Auto Insurance Laws

Oregon mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle
with them at all times. Anyone caught driving without auto insurance faces a Class “A” misdemeanor, fines, and up to one
year in jail.

Oregon Auto Insurance Minimums

  • $25,000 bodily injury for one person
  • $50,000 per accident
  • $10,000 property damage

Oregon Minimum Liability Coverage

    Each state sets its own minimum liability amounts. In Oregon they are as follows:

  • Bodily Injury for One Person: $25,000
  • Bodily Injury for All Injuries: $50,000
  • Property Damage: $10,000
  • Personal Injury Protection: $15,000

Oregon Uninsured/Underinsured Motorist Coverage

Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a
driver in case they are involved in an accident and the other person is not adequately covered by an auto
insurance policy.

Oregon requires everyone to carry minimum UM/UIM coverage of $25,000 per person and $50,000 per accident.

No Fault Insurance

In Oregon, you are not required to carry no-fault insurance. Oregon is a Tort state meaning that the driver at
fault must pay a victim’s medical expenses. Further, the victim can also pursue compensation for additional
lost wages as well as pain and suffering.

Vern Fonk Homeowner’s & Auto Discounts
    • Homeowner’s Discounts
    • Multi-Line (Home + Auto) Discounts
    • Multi-car Discounts
    • Current Insurance Discounts
    • Married Couples Discounts

.

  • Military Discounts
  • Microsoft & Boeing Employee Discounts
Contact Vern Fonk for Washington Umbrella Insurance or Oregon Umbrella Insurance

Whether you need auto insurance, homeowner’s insurance, or business insurance in Washington or Oregon, call Vern

Fonk at 800-654-SR22 NOW or get an online quote. We’ll protect you when you’re behind the wheel of your car.

In Washington and Oregon, Vern Fonk has insurance offices in Aberdeen, Bellevue, Bellingham, Federal Way, Kent,

Kirkland, Lacey/Olympia, Lynwood, Mt. Vernon/Burlington, Oak Harbor, Port Angeles, Portland, Seattle, Silverdale,

Spokane, Tacoma, Vancouver, Wenatchee, and Yakima.