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A plain washer (or 'flat washer') is a flat annulus or ring, often of metal, used to spread the load of a screwed fastening. Additionally, a plain washer may be used when the hole is a larger diameter than the fixing nut.
Quick Answer. Lock washers are installed by putting a bolt or screw through the center of the washer, so that the washer is beneath the bolt or screw head or between the nut and the surface being fastened. Lock washers are used to keep screws and bolts from loosening, especially as a result of vibration or changes in temperature.