Auto Insurance in the District of Columbia

All drivers must obtain auto insurance in the District of Columbia before they can register a vehicle. Every driver is obliged to carry proof of liability insurance coverage in their vehicle.  As with other states, it is illegal to drive without insurance in the District of Columbia. The minimum liability insurance must be purchased prior to registering the vehicle.

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Laws in the District of Columbia have some strict rules that all drivers must observe, even if they are not residents of nation’s capital. The Metropolitan Police Department will issue a citation if drivers don’t have proof of insurance regardless of where they live. Failure to show proof of insurance can earn drivers a fine of $30.

On top of that, drivers will be fined $150 if they have a lapsed insurance policy of between one and thirty days. For any lapses over a month, the District of Columbia will issue a fine of $7 per day. This has a maximum level of $2,500 per tag.

Mandatory laws in DC require that all drivers have the minimum of $25,000 in bodily injury liability cover per person and $50,000 of bodily injury liability cover per accident. This is in addition to $10,000 worth of property damage liability cover. Drivers must also have $25,000 per person and $50,000 per accident in uninsured motorist bodily injury cover.

This equates to a larger amount of minimum coverage in comparison to other areas and if you drive your vehicle within the jurisdiction of the District of Columbia as a resident of another state, you will be required to up your insurance coverage for the duration of your stay. It may pay to check with your insurer before taking out additional coverage because most policies offer a ‘broadening’ condition where you are automatically insured to the minimum standard set of another state if you are only driving there on a temporary basis.

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