Washington DC car insurance coverage requirements include $25,000 minimum coverage for injury to one individual and $50,000 total liability per incident. This is an average amount for the USA. The $10,000 coverage required for property damage is also fairly standard.
Washington DC is unique in that it offers uninsured motorist coverage. Washington DC requires that you purchase uninsured motorist liability liability at the same level as your own bodily injury liability, for both individuals and multiple people in an accident between $25,000 and $50,000. The deductible for property damage caused by an uninsured driver is $200. It seems unfair to have to pay twice for insurance if you are struck by an uninsured motorist.
This will not affect your premium but it is important to remember that you must always have your policy with you.
Washington DC auto insurance is the same as any other. The same considerations apply to deciding what coverage you need. You have so many options to choose from, but you should not be limited in what you buy. In addition, don’t underinsure your vehicle if it is expensive to replace or new. Or you might lose it. Let’s take a look at what options you have and decide if they are worth the additional cost.
Washington DC statutory coverage is only for third-party cover. This means it doesn’t cover personal injury. If you are injured in an accident and have to be hospitalized, you’ll have to cover your medical costs. Your car will also be damaged. Collision coverage will cover the second. Personal injury protection insurance will provide the first. It is up to you to decide if either one of these insurance is worth your investment. You should also consider the costs if the unthinkable happens.
Are you able to afford the cost? Where would the money come? You don’t need collision coverage if your car isn’t worth much. Comprehensive cover is only available for expensive cars that are likely to be vandalized, damaged by floods, or stolen. Don’t buy collision coverage if your vehicle doesn’t meet this criteria. This applies to Washington DC just as it does to any other US state. Or any other country around the globe.
There are many things you can do to lower your insurance costs. A steering lock, anti-theft devices and car alarms can all be included in your vehicle’s insurance policy. You will receive a slight discount. Airbags (including for rear and side passengers) and other safety devices like ABS braking are eligible for a small discount. Your insurance price can be affected by whether your car is stored, how often it is used, and even your occupation.
You will get a discount if your policy has not been in force for several years. This is also true if you choose a high-deductible. If you are clear about your requirements, there is no reason to not be able negotiate auto insurance policies that meet them in Washington DC. People who pay too much for car insurance are those with no set budget and are not sure what options they would like to have when they request a quote.
It is important to have a clear understanding of what you want and how you will negotiate discounts. You will not get the best deal if you don’t consider these three factors. Washington DC car Insurance is the same as any other state. However, you don’t need to worry about whether you should get uninsured motorist coverage.
