Independent Agency

​Let’s say you are driving to the store and out of nowhere someone runs a stoplight and wrecks your car. Then you find out they have no insurance — or worse yet, they take off, never to be found. Who pays to fix your car? And if it is serious and you and/or your passengers […]

Collision coverage specifically helps pay to repair or replace your vehicle if it’s damaged in a collision with another vehicle or object. Accidents can occur at any moment, leaving you with a damaged vehicle and potential financial strain. However, Vehicle Insurance is designed to mitigate these costs, and your insurance options, such as collision coverage, […]

Comprehensive car insurance coverage shields you from financial loss due to non-collision events. It is optional if you own your car outright but most lenders require it to protect the loan. Imagine cruising down the road, your car suddenly decides to attract a falling tree branch, or perhaps it develops a fondness for a random […]

Is Uninsured Motorist Coverage Required in Washington State? No, You are not required to include Uninsured Motorist (UM) coverage on your Washington car insurance policy. To reject UM coverage, the law requires the insurance company have a signed rejection form. But the more important question is: Should You Get Uninsured Motorist Coverage in Washington State? […]

If your car insurance has lapsed, you will probably loose a number of disounts and be required to pay more for your new insurance. Unfortunately, insurers often view gaps in coverage unfavorably, which can result in higher rates. However, the situation is not without solutions. We’ll guide you through the potential costs of a coverage […]

Which term should we use? “Car accident” implies that a collision is unpredictable or unpreventable, which is often not the case; “Car crash” is more informal and often used colloquially to describe a collision; “Traffic collision” is more accurate and does not imply cause, fault, or preventability. The term is also preferred by safety experts, […]

If you drive a car without insurance on Washington state roads, you could receive a no-insurance ticket and have to pay a fine of $550 or more. Mid-Columbia Insurance wants to help get you cheap car insurance in Washington so that you can get the insurance you want at a price you can afford. We are […]

Traffic violations in Washington state can significantly impact your driving record and insurance rates, but Mid-Columbia Insurance is here to help you navigate these challenges. With over 25 years of experience serving Washington drivers, our team understands how to find the best insurance solutions even after receiving a citation. The Reality of Traffic Citations in […]

In an alarming trend, over one million vehicles were stolen last year in the United States – that’s approximately one theft every 30 seconds. The National Insurance Crime Bureau (NICB) has developed essential guidelines to help protect your vehicle from becoming part of these statistics. Four Critical Steps to Prevent Vehicle Theft 1. Never Leave […]

Have you ever wondered what happens with your car insurance when you lend your vehicle to a friend or family member? Let’s dive into the concept of “permissive use” and what it means for your coverage. What is Permissive Use? Permissive use is a clause in your car insurance policy that extends coverage to other […]