District of Columbia (Washington DC) Auto Insurance Quotes

The District of Columbia, the US capital, can be a confusing place to drive for those not familiar with the many one-way streets, accompanying odd traffic patterns, and irregular turns. Getting a car insurance quote may be the first step to ensuring that you have a comfortable time in Washington DC, the center of commerce and traffic for a large region of the East Coast.

Insurance Laws in DC

To have a vehicle in the District of Columbia, auto insurance must be carried with minimum liability coverages of $25,000 for one person’s bodily injuries, $50,000 for all bodily injuries, and $10,000 for property damage. In addition, District laws require uninsured motorist coverage for accidents with uninsured drivers with similar bodily injury minimums and only $5,000 in property damage minimums. Failure to provide proof of insurance results in an automatic citation and accompanying $30 fine, the location of the vehicle’s registration notwithstanding. In order to avoid automatic fees, it is highly advisable to keep one’s registration and insurance regularly updated.

Tort System and Courts

In the District of Columbia’s tort system, the driver who causes the accident is held responsible for all expenses incurred by the other driver involved, and may be sued in civil court for other damages. Additionally, insurance companies routinely give higher-risk ratings to those with criminally uninsured driving offenses, so it is important to take advantage of DC’s special programs for payment of outstanding fines and fees.

Rate Reductions

Many commuters in the District of Columbia and metro surrounding areas utilize public transportation, and if they report this to their insurance companies, may be able to take advantage of reduced rates! Make sure you check thoroughly when looking for DC Auto Insurance Quotes, and you may save yourself some money!