You need $25,000 in bodily injury coverage per person ($50,000 per accident). Bodily injury liability insurance pays for other people’s injuries after a car accident that you cause, and it can also cover your legal fees if you are sued after a crash.
In addition to bodily injury liability insurance, drivers in Washington, DC need to purchase $10,000 in property damage liability insurance. Property damage liability coverage pays for damage to others’ property after an accident caused by the policyholder. Together, these liability insurance requirements are often written as 25/50/10.
Washington, DC also requires drivers to buy $25,000 per person, $50,000 per accident and $5,000 in property damage uninsured motorist coverage. For more information, check out WalletHub’s breakdown of how much car insurance you need in Washington, DC.
The minimum SR-22 car insurance requirements in Washington, DC are $25,000 per person ($50,000 per accident) plus $10,000 in property damage liability insurance. Drivers also need at least $25,000 per person ($50,000 per accident) plus $5,000 in uninsured motorist property damage coverage. Drivers in Washington, DC will need to maintain the SR-22 coverage for 3 years. For context, an SR-22 is a form that the driver’s insurance company will file with the state to prove that the driver has enough coverage to drive legally.… read full answer
Minimum SR-22 Insurance Requirements in Washington, DC
Bodily injury liability coverage: $25,000 per person / $50,000 accident
Property damage liability coverage: $10,000
Uninsured motorist coverage: $25,000 per person / $50,000 accident
Even though you can meet Washington, DC’s SR-22 requirements with the minimum insurance required by law, you might want to opt for higher coverage limits. The more insurance you buy, the more protection you have for your finances and property.
Consider supplemental policy options such as collision or comprehensive coverage, too. Collision coverage pays for damage to your car from a crash, while comprehensive coverage handles any other damage to your car, such as from theft, vandalism, or inclement weather.
Just keep in mind that insurance is more expensive for drivers with an SR-22, since they are classified as high-risk.
Yes, you need uninsured motorist property damage insurance in Washington, DC. Drivers in Washington, DC need to carry at least $5,000 in uninsured motorist property damage (UMPD) coverage per accident as a part of the state’s minimum car insurance requirements.
Yes, uninsured motorist coverage is required in Washington, DC. Drivers in Washington, DC must purchase at least $25,000 in uninsured motorist bodily injury coverage per person (up to $50,000 per accident), as well as $5,000 in uninsured motorist property damage insurance per accident.
Uninsured/underinsured motorist insurance covers a driver’s medical bills and repair costs after an accident if the at-fault driver doesn’t have enough coverage to pay for the damage. Normally, a Washington, DC driver can collect damages from the at-fault driver’s … read full answerliability insurance. However, if the other driver is uninsured, getting compensation can be time-consuming or nearly impossible. That’s where uninsured motorist coverage can help. Instead of having to file a lawsuit, you can file a claim with your own insurance company in order to pay your bills and get the repairs or treatment you need without waiting for the courts.
Even though car insurance is required in Washington, DC, an average of 19% of drivers in the state don’t have car insurance. Car accidents in Washington, DC can be extremely expensive, too. For example, fatal accidents in Washington, DC have a total cost of $66 million each year. As a result, uninsured motorist insurance is a smart investment for Washington, DC drivers.
Key Facts About Uninsured Motorist Coverage in Washington, DC:
Minimum Uninsured Motorist Bodily Injury: $25,000 per person and up to $50,000 per accident
Minimum Uninsured Motorist Property Damage: $5,000 per accident
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