Washington D.C. Car Insurance
Washington, D.C. has compulsory no–fault car insurance laws. Every driver in Washington D.C. must have valid auto insurance as long as the vehicle is registered. Failure to carry insurance could result in financial penalties and put a driver significantly exposed for monetary damage.
Residents of the District of Columbia are required to carry minimum liability insurance of $25,000 per person, $50,000 per accident for bodily injury and $10,000 minimum coverage for property damage. District of Columbia law also requires drivers to purchase Uninsured Motorist (“UIM”) insurance coverage of $25,000 per person, $50,000 per accident for bodily injury and $5,000 minimum coverage for property damage, subject to a $200 deducible.
UIM coverage insures the driver that in the event the other driver does not have insurance or does not have enough insurance for the damages caused in an accident, a driver can make a UIM claim that will pay for damages up to the amount of the UIM coverage limits
Keep Your Car Insurance Current
It is important that Washington D.C. drivers know when their auto insurance policy expires to avoid a coverage lapse. Without insurance, a driver will have their registration tags and insurance reciprocity stickers suspended. An individual caught without insurance will also face a fine of at least $150 ranging up to $2,500.
Uninsured drivers can be held personally responsible for all damage caused in an accident, which could amount to hundreds of thousands of dollars. Not having auto insurance can lead to financial ruin.
Purchase Optional Higher Limits
Drivers would be well advised to purchase additional liability coverage and Uninsured Motorist coverage beyond the minimum limits. Other coverage types such as Personal Injury Protection, Comprehensive, and Collision are also important forms of coverage and insurance companies varying amounts of coverage. Drivers in the District of Columbia have dozens of insurance companies to choose from including Allstate, Geico, Nationwide, and State Farm.
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