Washington D.C. mandates that every driver must have a minimum amount of insurance in order to legally operate a vehicle, which serves as protection in the event of a car accident or collision. The minimum required insurance consists of $25,000 per person for bodily injuries, $50,000 for in injury coverage for additional individuals, $10,000 coverage for property damage, $25,000 for uninsured motorist coverage, and $5,000 per accident for uninsured motorist property damage.
Washington D.C. complies with the no-fault car accident rules, which states that anyone who is involved in a car accident is liable for damages, and should file a claim with their own insurance company. However, should a victim have permanent physical damage, scarring, or physical damage lasting more than 180 days, a lawsuit may also be filed. Furthermore, a lawsuit can be filed if the victim’s PIP coverage doesn’t cover all of the damages.
If a lawsuit should incur, Washington D.C. adheres to the contributory negligence law, which states that the burden of proof is on the victim. The victim must prove the other party is at least 50% responsible for the car accident in order to recover damages. If proof of fault cannot be determined, then no damage will be awarded. Consider seeking help from an experienced car accident attorney if you reside in a contributory negligence state, as it’s difficult enough to prove fault in a case alone.