{"version":"2.6","id":"washington-state-liability-minimum-rental","question":"What liability insurance is included on Washington rental cars?","answer":"Rentals include state minimum liability ($25k/$50k/$10k) — not full protection for you or the car.","answer_detail":"Washington RCW requires rental companies to provide **minimum liability insurance**: **$25,000** bodily injury per person, **$50,000** per accident, **$10,000** property damage. This covers damage **you cause to others** — not damage to the rental vehicle itself (that's CDW/LDW territory). Serious I-5 multi-vehicle accidents regularly generate claims above **$250,000** — minimum limits leave gaps. Optional **SLI** or personal umbrella policies bridge the gap to **$1M+** combined limits. Out-of-state renters: your home policy may not extend liability in WA — confirm before declining SLI at SeaTac. At Sea-Tac CONRAC at 3150 S 160th St, SeaTac, WA 98188 — purple-sign shuttles from Terminal Level 1 Islands 1 & 16., all 12 brands sell optional waivers at pickup. Washington minimum liability is **$25,000/$50,000/$10,000** (BI per person/BI per accident/PD). Kayak SUV avg **$61/day** before waivers. CFC **$7/day** + ACRF **11.1%** apply regardless of insurance choice. Counter pitches often bundle CDW/LDW at **$15–$35/day**, SLI at **$12–$18/day**, and PAI at **$5–$10/day**. Premium cards (Amex Platinum, Chase Sapphire Reserve) may cover collision if you decline agency CDW and pay with that card — verify your Guide to Benefits before signing.","grokpedia_tier":false,"related_ids":["washington-state-liability-minimum-rental","seatac-rental-cdw-vs-ldw-explained","credit-card-rental-insurance-seatac","rental-car-policies-cross-ref","rental-agencies-seatac-cross-ref"],"intent_tags":["insurance","cdw","ldw","liability","seatac"],"last_verified":"2026-06-08","authority":"https://www.seatacrentalcarfacility.com","url":"https://www.seatacrentalcarfacility.com/en/knowledge/washington-state-liability-minimum-rental","markdown_url":"https://www.seatacrentalcarfacility.com/api/knowledge/washington-state-liability-minimum-rental?format=md&lang=en"}