What to Do If You Get in an Out of State Car Accident

A car crash during a road trip or while traveling across state lines can be stressful. You may be far from home, uncertain about which state’s laws apply, and left with questions about insurance coverage, medical bills, and the claims process. Delays in taking action can result in missed deadlines under the statute of limitations or complications with an insurance claim.

At McPartland Law Offices, we help people understand their options after an out-of-state accident. Whether the at-fault driver is from another state or from Washington, our attorneys provide guidance to protect your rights and assist you through each stage of the claims process. Contact us today for a free case evaluation.

Out-of-State Car Accidents and Washington Residents

An out-of-state car accident usually refers to a crash that happens outside Washington involving a Washington resident. If the accident occurs inside Washington, even if the other driver is from another state, it’s still considered a Washington accident. These claims are often more complex than local car accidents because they are generally governed by the laws of the state where the crash happened.

Bear in mind: The law of the state where the crash occurred controls the law relating to liability and damages, BUT the law of the state where an insurance contract was entered into may control coverage and rights under an insurance policy. For example: A crash happens in Spokane, and the injured person is from Post Falls and purchased coverage in Idaho. Washington law governs the crash, but the injured person’s rights under their insurance coverage will be controlled by Idaho law. Likewise, if a Kennewick, Washington resident who purchased insurance in Washington is traveling through Hermison, Oregon and is injured in a crash, Oregon law is going to control responsibility for the crash, but Washington law will control the person’s rights under their insurance coverage. The policy controls, but state statutes may have additional impact on the way that that coverage language is analyzed.

It is important to understand how insurance laws, comparative negligence rules, and statutes of limitations apply in another state. At McPartland Law Offices, we regularly help Washington residents address the added challenges of out-of-state accidents, from jurisdiction questions to navigating different insurance requirements. Our attorneys provide guidance on whether a claim should be filed in Washington, in the state where the accident occurred, or if there is a basis for federal jurisdiction which may broaden filing options.

Steps Washington Drivers Should Take After an Out-of-State Car Accident

If you are involved in a car accident outside of Washington, taking the right steps immediately is critical. These actions protect your safety, preserve key evidence, and support any future insurance claim or legal action.

At McPartland Law Offices, we guide Washington residents through the process of handling out-of-state accidents, helping them understand what must be done at the scene and what steps to take once they return home.

Move to Safety

If possible, move your vehicle out of traffic, turn on hazard lights, and make sure passengers are safe while waiting for emergency responders.

Call for Help

Dial 911 or the local emergency number. A police report is often required by insurance companies and by state law. Many states require reports when property damage exceeds a certain amount or when anyone is injured.

Check Reporting Requirements

Some states also require drivers to file an accident report with the Department of Motor Vehicles or another agency in addition to the police report. Failure to follow these rules can complicate a car insurance claim.

Seek Medical Attention

See a doctor even if you don’t feel injured right away. Some injuries develop hours or days later. Medical records are key evidence in any personal injury claim.

Take Photos

Document the accident scene, including vehicle damage, skid marks, road conditions, license plates, and visible injuries. Photos can provide valuable support for your insurance claim or lawsuit.

Collect Information

Exchange names, contact information, driver’s license numbers, insurance information, and vehicle registration with all involved drivers. If possible, also gather witness names and phone numbers. This information is vital for insurance claims and any future legal action.

Avoid Admitting Fault

Do not make statements that suggest you caused the crash. Fault is decided based on the laws of the state where the crash happened. Washington uses a “pure comparative fault” rule, which means you can recover damages even if you were partly at fault. Other states may use different systems that could limit your ability to recover.

Notify Your Insurance Company

Contact your insurer as soon as possible. Many policies require notice within 24–48 hours. Provide a copy of the police report, photos from the scene, and any other relevant documentation. Keep a record of your communications with the insurance company.

Learn Which Laws Apply to Your Out-of-State Accident

Under Washington law, the “most significant relationship” rule generally applies. This means the laws of the state where the crash occurred usually control liability, insurance requirements, and the statute of limitations for filing a claim.

Consult a Car Accident Lawyer

A car accident attorney can help you understand your options, determine the correct jurisdiction, and make sure paperwork is filed within the proper deadlines. At McPartland Law Offices, we assist Washington residents in navigating these cross-border issues so their claims comply with both Washington law and the laws of the other state involved.

Which State’s Laws Apply in an Accident Out of State?

The laws of the state where the accident happened typically govern issues such as liability, damages, and deadlines for filing a claim. Washington applies the “most significant relationship” rule under RCW 4.18.020, which generally means that the state with the closest connection to the crash controls the outcome. Understanding which state’s laws apply is an important first step in protecting your rights.

Auto Insurance Coverage for Washington Drivers in Out-of-State Accidents

Most auto insurance policies provide coverage nationwide, but the details depend on your policy and the laws of the state where the crash occurred. Washington requires minimum liability coverage of:

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

Personal injury protection (PIP) must also be offered unless declined in writing. Washington is not a no-fault state, but many policies still apply to accidents across state lines, subject to policy limits and local insurance requirements.

If an out-of-state driver is traveling in Washington, carries coverage less than Washington requires and that person injures a Washingtonian , there is a strong probability that that coverage can be expanded to meet Washington’s requirements.

Rental Cars and Out-of-State Accidents for Washington Drivers

If a crash involves a rental vehicle, your personal auto insurance policy or credit card benefits may provide the primary coverage. Rental car companies often offer additional coverage, but it is usually secondary. Always confirm the terms of your policy, review the rental agreement, and keep proof of insurance with you. Understanding how coverage applies in these situations helps protect your rights if a claim arises.

How to File a Lawsuit After an Out-of-State Accident

In many car accident cases, you’ll need to file a personal injury lawsuit in the state where the crash happened. But if the other driver has strong ties to Washington, like living here or doing business here, you may be able to file in Washington. Venue depends on several factors, including where the accident happened or where the defendant lives.

Because jurisdiction and venue rules can be complicated, working with an experienced attorney is important. At McPartland Law Offices, we help Washington residents understand where their case should be filed and what legal steps are available, whether in Washington or in another state.

How a Car Accident Attorney Helps Washington Drivers After an Out-of-State Crash

Handling an out-of-state accident often means dealing with unfamiliar insurance rules, different statutes of limitations, and complex jurisdiction issues. An attorney can manage communications with insurance companies, track deadlines, and prepare the legal documents needed to move your case forward.

At McPartland Law Offices, we assist Washington residents with the challenges of cross-border claims, working to protect their rights while pursuing fair compensation for medical treatment, property damage, pain and suffering, and other losses.

Frequently Asked Questions

What Can I Do if My Claim Is Denied?

If your insurance claim is denied, you may be able to submit a written appeal or request reconsideration. Deadlines vary by insurer, but many require a response within 60 days. Adding supporting evidence can strengthen your challenge.

Do I Need to Call the Police if the Accident Is in Another State?

Yes. You must follow the reporting requirements of the state where the crash occurred. Many states require a police report if there are injuries or significant property damage.

Does My Uninsured/Underinsured Motorist Coverage Apply Outside of Washington?

Often yes. Washington UM/UIM coverage generally applies nationwide. If the at-fault driver’s insurance does not cover all of your damages, you may be able to turn to your own insurance for additional protection, though the exact coverage available depends on your policy.

Do Different States Have Different Deadlines for Filing a Claim?

Yes. Statutes of limitations vary. In Washington, most personal injury claims must be filed within three years, but other states may allow less time. Acting quickly helps protect your rights.

Why Clients Choose McPartland Law Offices

At McPartland Law Offices, we represent Washington residents who are injured in auto accidents that involve more than one state. Our legal team assists with the claims process, evaluates jurisdictional issues, and develops a legal strategy tailored to each case. Clients rely on our personal injury law firm for clear guidance when facing complex questions about insurance coverage, state laws, and their legal options after an accident.

Our Client Testimonials and Firsthand Stories

“Bryce McPartland is a very honest, caring and generous lawyer. He kept me well informed through all stages of my case. He made me feel very comfortable and confident by his professionalism and his ability to thoroughly explain my options and possible results. I recommend Bryce Mcpartland to anyone that needs an attorney. Thanks again Bryce!” — Joseph

“I had a legal issue for almost a month that was really stressing me out. I finally made an appointment with Bryce McPartland and he was able to sort through my documents and zero in on the pertinent issues. He sent out a letter that day and I had a resolution the next day. He exceeded my expectations and I highly recommend him as an attorney.” — George

“I was so nervous, because I had never been involved in a car accident and personal injury case before. From the first day that I came into the office, I was immediately put at ease and was comfortable handing everything over to you. You handled everything, and I could focus on running my business.” — Mary

Schedule a Free Consultation With McPartland Law Offices About Your Out-of-State Car Accident

If you have been involved in an out-of-state car accident, it is important to take steps quickly to protect your rights. At McPartland Law Offices, we can review your car accident claim, evaluate your insurance coverage, and explain your options under both Washington law and the laws of the state where the accident occurred.

Call 509-495-1247 or complete our online contact form to schedule a free consultation with one of our personal injury lawyers today.