District of Columbia Car Insurance (DC)

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The owner or operator of a vehicle must have minimum liability coverage:
- $25,000 per person for Bodily Injury;
- $50,000 per accident for Bodily Injury;
- $10,000 per accident for Property Damage;

Insurance required:
- Bodily injury liability;
- Property damage liability;
- Uninsured motorist;

Proof of insurance required:
- At registration (YES)
- At time of accident (YES)
- At all times in vehicle (YES)

(I.I.I.) recommends you carry $100,000 of bodily injury protection per person and $300,000 per accident.

District of Columbia Car Insurance Requirements, Laws and Coverage

Car insurance seekers in Columbia, United States, have to consider various many laws for obtaining the same. Below is a checklist of those laws:

Maintaining Insurance: If there is a situation, where the owner of an automobile fails for maintaining the coverage of the insurance, then the District of Columbia may suspend the automobile tags. You may be fined for the failure of insurance. Generally, the amount of fine is $150, if there is lapse of approximately 30 days and with every passing day, the fine increases by $7 until there is restoration of the coverage. Maximum amount of fine determined under the law of District of Colombia is $2,500. One has to pay fine to the Motor vehicle’s department.

Requirements of Garage Owner: Owners of the garage are also having minimum requirements of insurance. They require possessing property damages liability along with coverage of injury liability. Any injury or damage caused to the property by the vehicles may result in the payment of policies.

Uninsured Motorist Coverage: The coverage for uninsured motorist pays for the injuries or damages resulting from any sort of accident caused from the driver, who is not having insurance. According to the law, in case of bodily injuries, the minimum amount of insurance is $25,000.

Insurance Proof: The vehicle insurance act requires all the automobile owners to provide the proofs of insurance coverage. Most of the companies provide insurance cards at the insurance proof, which is helpful in indicating the amount and types of coverage. If the police stops a vehicle owner on the road, the owner has to produce this identity proof otherwise will have to face a fine of $30.

End of Insurance: As per the law, the owners of law require to return the registrations along with automobile tags to the motor vehicle’s department at the time of termination of the insurance coverage.

District of Columbia Department of Insurance

• 810 First Street, NE, Suite 701
• Washington, DC 20002
• Phone: (202) 727-8000
• disr.washingtondc.gov

District of Columbia Department of Transportation

• 2000 14th Street, NW, 6th Floor
• Washington, DC 20009
• Phone: (202) 673-6813
• www.ddot.dc.gov