The District of Columbia follows a Tort
system meaning someone must be found to be at fault for causing
the accident, and that person and their insurance company is
responsible for all the damages. You should be aware that the
details of a tort system vary from state to state & jurisdiction
to jurisdiction and it is best to check with the District of
Columbia insurance regulator. Visit our
State
Insurance Regulators page for a list of links to all the
state insurance regulators websites, including DC.
District of Columbia law requires minimum
Bodily Injury Liability coverage of $25,000 per injured person
up to a total of $50,000 per accident, and Property Damage
Liability coverage with a minimum limit of $10,000. This basic
coverage is often referred to as 25/50/10 coverage.
Personal Injury Protection (PIP) in your
coverage helps pay for "reasonable and necessary" medical
expenses for you and your passengers. While the District of
Columbia law does not require a minimum Personal Injury
Protection, some insurers offer this as an optional coverage.
Additionally, you can get
Uninsured/Underinsured Motorist coverage for any bodily injury
caused by an uninsured driver. While District of Columbia law
does not require this coverage, you can purchase this as an
optional coverage for added protection.
