Connect with us

Hi, what are you looking for?


OAI: Pair of Wash. Bills Would Affect Auto Insurance Laws

A pair of car insurance bills would have implications for car sharing and usage-based discount programs

A pair of car insurance bills would have implications for car sharing and usage-based discount programs

02/10/2012 // Seattle, Washington, USA // [email protected] // Benjamin Zitney

OAI: Pair of Wash. Bills Would Affect Auto Insurance Laws

A pair of bills being considered by the Washington State Legislature would enable car owners to participate in for-profit car-sharing programs without losing their insurance coverage and allow insurers to keep their usage-based car insurance rating models free from public scrutiny, according to Online Auto Insurance.

Lawmakers have until Valentine’s Day to vote on the bills, state regulators say.

The first bill would enact changes similar to those made to California and Oregon auto insurance laws over the past two years. Both of those states added new laws to the books saying that when car owners are renting out their vehicles for money through a sharing service, the sharing service assumes the liability of the renter behind the wheel—not the car owner.

That’s significant because owners wishing to rent their cars for cash in Washington currently risk such an act being considered commercial use and having their coverage voided as a result.

With the proposed changes, sharing services would be required to provide at least $180,000 in liability coverage, as well as comprehensive and collision coverage, through its own policy for damages that occur when a renter’s driving the vehicle.

The second bill would make the usage-based component of insurers’ rate filings exempt from public inspection.

A committee report on the bill showed that supporters during public testimony said that a certain usage-based product won’t be sold in the state until there are greater “confidentiality protections” that keep the public—including other coverage providers from seeing how information collected by that product is used to set rates. This bill would put those protections in place.

Although the product and the company that sells it aren’t explicitly named in the committee report, it’s likely that the company pushing for passage of the bill is Progressive and that the product is its Snapshot usage-based discount program. (One of the two people testifying in support of the bill was a representative from Progressive, and the summary of public testimony includes references to a company with usage-based patents, of which Progressive owns a handful.)


For more on this and other coverage issues, visit to get access to informative resource pages and a useful rate-comparison generator that can help drivers get the best prices on a policy.

Social Media Tags:Auto Insurance Laws, car insurance, Oregon auto insurance

Newsroom powered by Online Press Release Distribution –

You May Also Like

Health News

The cosmetic and facial plastic surgery practice is hosting a grand opening celebration and ribbon cutting for its new Chattanooga state-of-the-art location.

Current News

“NEXT by TRT World Forum” Brought Together Globally Known Young Professionals

Current News

Merchants can now use the free get4it Competitive Analysis Tool to see the overall health of their store and inventory.


Everything You've Ever Learned About Marketing And Advertising Is Wrong. Everything You've Ever Heard, Everything You've Ever Tried, And Everything You've Ever Done Is...