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Washington D.C. Auto Insurance

Washington D.C. has strict laws governing the insurance motorists must have, on their vehicles, to be legal in that jurisdiction. Additionally, these laws govern all vehicles that drive in the area, regardless of where the car, or driver, is registered. The laws stipulate minimums of coverage that must be met for a variety of expenses. Motorists are required to have ten thousand dollars ($10,000) in property damage liability, twenty-five thousand dollars ($25,000), per person, in third party liability, fifty-thousand dollars ($50,000), per accident, in third party liability, twenty-five thousand dollars ($25,000), per person, for uninsured motorist bodily injury coverage, fifty-thousand dollars ($50,000), per accident, in uninsured motorist coverage and five thousand dollars ($5000) coverage for uninsured motorist property damage. If you are caught, without proper insurance, as stated above, it can lead to anything from a citation, to a suspended license - dependent on your prior driving record. This may seem like a lot of coverage to be legally required to pay for but yet it proves to be far inadequate in many accidents, each year. The jurisdiction even goes further to recommend that drivers protect themselves by getting additional coverage beyond these legal minimums.

washington dc auto insurance While such protection is often seen as unnecessary, particularly by new drivers, experienced drivers, who have been through accidents, usually have a different story to tell. An accident brings countless problems. You may be without your car for quite some time. You will, likely, run the risk of losing your driver's license. Of course, there is also the unavoidable emotional trauma that comes with being in a motor vehicle accident. Why complicate these, further, with financial burden.

Even if the jurisdiction did not enforce a minimum insurance policy, drivers would still be well advised to obtain such broad coverage. A premium of a few hundred dollars is far less that the fifty-thousand dollar ($50,000) bill it can run up if you total someone's car - not to mention associated expenses, such as property damage and healthcare. The reality is that, while most people complain that they can't afford that much car insurance, these people really can't afford not to have it. Put simply, if you "can't afford" a couple hundred dollars for coverage, how are you going to find several thousand to cover another driver's expenses, let alone your own. It's far better to find the premium cost and insulate yourself against such financial peril.

Washington D.C. may have seemingly-demanding laws on required coverage but the reality is that they are in place for the protection of the motorists themselves. The government, of the jurisdiction, wants to bring down the number of cases where uninsured drivers find themselves in great financial difficulty- all because they thought it wouldn't happen to them. This can result in everyday people losing their cars, and even their homes, should the other driver sue to recover their expenses. Is that awful risk really worth saving the relatively small cost of an excellent insurance policy? Most people, including district officials, don't think so. For these reasons, all motorists should adhere to the laws governing insurance, no matter how irksome you may find them. It's better to do it now, than to be homeless, living pay check to pay check, wishing you had.

Some of "our" insurers...

AAA Auto Insurance

The Auto Insurance Company that's known to defend the rights of each motorist, as well as provide great coverage...

Allstate Auto Insurance

Allstate is the second largest car insurer in the United States, and one of the most financially secure ones too!

State Farm Auto Insurance

State Farm Insurance is the largest auto insurer in the United States and has been so for sixty-seven years. A true giant in car insurance!

21st Century Auto Insurance

For over 50 years, 21st Century Auto Insurance has been gaining market share, and we believe they're one of the best insurers out there...

GEICO Auto Insurance

One of the country's most trustworthy insurers, insuring well over 10 million motor vehicles on the road today...

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