Washington, D.C. insurance information
Required Minimum Bodily Injury Liability Coverage
- $25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident
Required Minimum Property Damage Liability Coverage
- $10,000 for damage to property in any one accident
Optional Insurance Coverage
- Uninsured Motorist (UM) Coverage. The minimum amount of UM protection required in D.C. is $25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident, and property damage in the amount of $5,000 for property loss in one accident.
- Underinsured Motorist (UIM) Coverage. UIM is only available in amounts up to the amount of UM purchased.
- Personal Injury Protection (PIP). This optional insurance coverage pays medical and rehabilitation expenses, work loss, and funeral benefits to the policyholder or an occupant of a policyholder's vehicle or of a vehicle which the policyholder is driving without regard to fault. The maximum amount of benefits paid for medical and rehabilitation expenses cannot be less than $50,000. The maximum amount paid for work loss cannot be less than $12,000. Funeral benefits are paid at actual costs up to $4,000. However, when a D.C. resident chooses this type of no-fault insurance, his or her ability to sue a negligent driver for pain and suffering is severely limited. An injured person who elects PIP can only sue an at-fault party if the victim's injury resulted in substantial permanent scarring or disfigurement, permanent impairment which significantly affects the victim's ability to perform professional or daily activities, or an impairment that prevents the victim from performing all or most of his or her daily activities for more than 180 continuous days. Whether a person's injuries meet those thresholds is a question of law for a judge to decide.
Special Rules for Motorcycle Owners
- In D.C., an insurance company is not required to offer UIM coverage to motorcycle owners.
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Please note: State law information collected from LexisNexis™ electronic database in 2003. Our lawyers are licensed to practice law in Maryland, Ohio, Pennsylvania, and West Virginia and associates with experienced attorneys in other states .
The materials at this web site have been prepared by our Law Firm for information purposes only and should not be construed as legal advice or legal opinion on any specific facts or circumstances. These materials do not, and are not, intended to constitute legal advice. Readers should not act upon this information without seeking professional counsel.
The information provided at this site is subject to change without notice. While we strive to keep our site updated, insurance options may change from time to time. Be sure to confirm insurance requirements with your insurance representative. The state insurance summaries are provided as a general guide only. Before purchasing insurance, we recommend that you research and understand all available and required options. We also recommend that you protect yourself by purchasing adequate amounts of insurance.
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