Washington D.C. Auto Insurance: Minimum Coverage Levels Required

Washington D.C. auto insurance customers must buy at least the minimum level of liability coverage mandated by law in order to drive legally in the District. The limits can be expressed as follows: 25/50/10.

The first number (25) refers to the minimum amount of third party liability coverage required to pay for the injuries sustained by a single accident victim. It pays out compensation for medical bills and lost wages, as well as funeral expenses if the accident is a fatal one. The second number (50) is the bodily injury liability limit for all victims of a single accident, no matter how many there were.

The final number (10) refers to the level of property damage liability protection that must be put in place. This part of the policy pays for the cost of repairs to the other driver’s vehicle, as well as any public property damaged or destroyed in the accident. It refers to things like mail boxes, light stands, fences and guard rails.

As long as you buy at least the minimum level of Washington D.C. auto insurance required by law, you have met your obligation. Is it is a good idea to buy only the minimum level of protection required by law? Probably not. If you were the at-fault driver in a serious accident, a policy with a low limit may not be enough to fully pay for the damages you caused. Any amount owing once you reach your policy limit must be paid by you personally.