The Washington State Auto Dealers Insurance Trust Fund was first created in 1948 and provides a unique benefit package for new/used franchise dealers throughout Washington State. Since inception, the WSADIT has proven to give access to competitive rates, streamlined benefits administration, long-term rate stability, and excellent customer service for dealership owners, human resource staff, and employees. The WSADIT is Washington State Auto Dealers Association’s preferred provider of medical and related benefits, however the Association does not administer the Trust.


PayneWest Insurance was named the broker of the WSADIT in 2008. Since then, PayneWest has worked alongside our third-party administrator, Benefit Solutions, Inc. and a Trustee Board of dealer/owners to provide superior customer service and rate stability to member dealers and their employees.

The program

The WSADIT offers employee medical, dental, vision, life and disability insurance. There are various medical plan designs available including a base/buy-up option, HMO plan, HRA benefit design, and H.S.A. option. Each employer has a web portal to enroll new employees, terminate employee coverage, run reports, and pay premium. Employee self-service web enrollment is also available. We strive to make the WSADIT a one-stop-shop for employee benefits administration.  We can provide benefits for groups down to 10 enrolled employees.

When a dealership is part of the WSADIT, their group medical claims experience is shared with the other participating dealerships. Sharing the risk among a large pool of employers provides participating dealerships with long-term rate stability—protection against unexpectedly high claims costs and catastrophic renewal increases. Additionally, the Trust handles various filings and compliance tasks on behalf of participating employers, eliminating the need for dealers to perform these functions on their own.

Finally, PayneWest Insurance provides employers with customized benefit booklets for each participating employee and will perform face-to-face employee meetings to educate members and their families about the benefit package available through their employer.

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