MVA and home improvement leads in Washington
Washington had 8,001,020 residents in the Census Bureau estimate for July 1, 2025. Three Washington rules matter to lead buyers: a claimant's own fault reduces damages but does not bar the claim, the injury deadline is three years, and state law restricts both solicitation calls and commercial text messages.
Summit Leads supplies home improvement and MVA leads in all U.S. states, including Washington. Buyers set filters down to the ZIP code. Leads are exclusive by default: each lead is sold to one buyer. Shared delivery is available if a buyer asks for it.
Request Washington lead supplyWashington MVA leads: pure comparative fault and a three-year window
Washington assigns crash losses by fault. RCW 46.30.020 says no person may operate a vehicle subject to registration in Washington unless insured under a motor vehicle liability policy at the statutory limits, or covered by self-insurance, a certificate of deposit or a liability bond. A Washington claimant pursues the negligent driver directly, and Washington law sets no injury threshold on suits for pain and suffering.
Personal injury protection is offered rather than required. Under RCW 48.22.085, no new auto liability policy or renewal may be issued unless PIP is offered as an optional coverage, and a named insured may reject it in writing. Whether a Washington claimant has PIP, and whether it has already paid medical bills, is useful context for the law firm but does not affect the claim against the at-fault driver.
RCW 4.22.005 sets pure comparative fault. In an action based on fault, any contributory fault chargeable to the claimant diminishes the award in proportion but does not bar recovery. A Washington claimant found 60 percent at fault can still recover 40 percent of their damages. Buyers still filter on liability, because a claimant who was mostly at fault recovers little, but shared-fault accidents are not automatically dead cases in Washington, and each buyer can set its own liability line.
Timing follows RCW 4.16.080(2), which requires an action for any other injury to the person or rights of another not otherwise listed to be commenced within three years. Buyers still set an accident age filter, since recent accidents are easier for a firm to document and the claimant is easier to reach.
Sub-types, filters and the quality bar are on the MVA leads and car accident leads pages.
Washington home improvement leads: ownership and 1985 housing
The Census Bureau puts Washington's owner-occupied housing unit rate at 63.8% for 2020-2024, so a little more than one Washington household in three rents. Renters cannot sign for a new roof or replacement windows, so homeowner confirmation is a default filter on Washington campaigns.
Washington's median housing unit was built in 1985, per the ACS 5-year estimates for 2020-2024, so half of the stock predates 1985. Washington buyers generally map ZIP codes to the service areas of the roofers, remodelers and window and siding installers they supply, then split campaigns by project type.
Washington treats contractors as a registration matter: RCW 18.27.020 states that every contractor shall register with the Department of Labor and Industries. The state's home sale cancellation right sits in its retail installment sales law. Under RCW 63.14.154, a buyer who signs a retail installment contract or charge agreement solicited somewhere other than the seller's business address may cancel by midnight of the third day after signing, not counting Sundays and holidays. For other door-to-door sales, the federal FTC Cooling-Off Rule (16 CFR Part 429) gives three business days on covered sales.
Project types and filters are listed on the home improvement leads and roofing leads pages.
Consent records and Washington call and text rules
Each lead carries its TCPA consent record (opt-in language, timestamp, IP address and page URL), so the record travels with the lead to your system.
Washington restricts telephone solicitation under RCW 80.36.390, amended in 2022 and 2023. Solicitation calls may not be received before 8:00 a.m. or after 8:00 p.m. local time, the caller must identify themselves, the company and the purpose within the first 30 seconds, and a caller asked to stop must not call again for at least one year. A person aggrieved by repeated violations can sue. Separately, the Commercial Electronic Mail Act (RCW 19.190.060 and 19.190.040) restricts commercial text messages to Washington residents and provides for damages. Buyers that call or text Washington leads should keep the consent record that travels with each lead and check how these rules apply to their own program. This is a summary for education, not legal advice.
Our guide to state telemarketing laws compares the states that add rules on top of the TCPA.
Washington facts for lead buyers
| Fact | Value | Source |
|---|---|---|
| Auto insurance system | Fault-based; liability insurance or other financial responsibility required (RCW 46.30.020) | RCW 46.30.020, Liability insurance or other financial responsibility requiredWashington State Legislature |
| Personal injury protection | Must be offered; the named insured may reject it in writing (RCW 48.22.085) | RCW 48.22.085, Automobile personal injury protection coverageJustia |
| Personal injury statute of limitations | Three years (RCW 4.16.080(2)) | RCW 4.16.080, Actions limited to three yearsJustia |
| Comparative fault rule | Pure comparative fault: the claimant's fault reduces damages but does not bar recovery (RCW 4.22.005) | RCW 4.22.005, Effect of contributory faultJustia |
| State telemarketing law | RCW 80.36.390 (amended 2022 and 2023) | RCW 80.36.390, Telephone solicitationWashington State Legislature |
| Commercial text messages | Commercial Electronic Mail Act, RCW 19.190.060 and 19.190.040 | RCW 19.190.060, Unsolicited or prohibited commercial electronic text messagesWashington State Legislature |
| Population | 8,001,020 (July 1, 2025, Vintage 2025 estimate) | QuickFacts: WashingtonU.S. Census Bureau |
| Owner-occupied housing unit rate | 63.8% (ACS 2020-2024) | QuickFacts: WashingtonU.S. Census Bureau |
| Median year structure built | 1985 (ACS 5-year 2020-2024) | Table B25035, Median Year Structure Built: Washington (ACS 5-Year 2020-2024)U.S. Census Bureau |
| Contractor licensing | Every contractor must register with the Department of Labor and Industries (RCW 18.27.020) | RCW 18.27.020, Registration requiredWashington State Legislature |
| Home solicitation cancellation | Retail installment sales solicited away from the seller's business: third day after signing, excluding Sundays and holidays (RCW 63.14.154); FTC rule: three business days | RCW 63.14.154, Cancellation of transaction by buyerWashington State Legislature |
Last reviewed: September 19, 2026. A summary for education, not legal advice.
Washington lead buying questions
Is Washington a no-fault state?
No. Washington assigns crash losses by fault. RCW 46.30.020 requires liability coverage or an approved alternative before anyone drives a registered vehicle, and the claimant pursues the negligent driver.
Is PIP required in Washington?
Insurers must offer personal injury protection with every new or renewed auto liability policy, but the named insured may reject it in writing under RCW 48.22.085.
Can a Washington claimant who was partly at fault recover?
Yes. Under RCW 4.22.005, the claimant's own fault reduces damages in proportion but does not bar recovery, even when the claimant was more than half at fault.
How long do Washington accident victims have to file suit?
Three years, under RCW 4.16.080(2). Buyers still set an accident age filter so leads reach firms while records are fresh.
What Washington rules apply to calling or texting a lead?
RCW 80.36.390 bars solicitation calls received before 8:00 a.m. or after 8:00 p.m. and sets identification and do not call rules, and the Commercial Electronic Mail Act restricts commercial texts to Washington residents. This is a summary for education, not legal advice.
Can we buy Washington home improvement leads for owners only?
Yes. Homeowner confirmation is a standard filter, and buyers choose the ZIP codes they buy in. Summit Leads supplies home improvement and MVA leads in all U.S. states, including Washington.
Request Washington lead supply
Tell us the verticals you buy in Washington, the ZIP codes you cover, your daily volume and how you take delivery. Return terms are discussed on the onboarding call and agreed before going live.
Start small, with no long-term commitment
- No long-term contract. Pause or stop at any time.
- No setup fee and no monthly fee. You pay only for leads delivered that match your filters.
- Start with a small test volume and scale when the numbers work.
- Leads are exclusive by default: each lead is sold to one buyer.
- Return terms are agreed on the onboarding call, before you go live.
Or write to team@summitleads.ai. We reply by email.
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