District of Columbia Insurance Laws and Regulations
Information on District of Columbia insurance laws and resources are available through the District of Columbia Department of Insurance. Consumers can contact the department with questions and complaints about their auto and home insurance. If you have a problem with an auto, homeowners, life, health or title insurance company you can get the forms needed to file a complaint with the Department of Insurance. For consumers shopping for insurance, the District of Columbia makes market conduct examinations available to consumers for use when selecting an insurance company.
Important Laws
A summary of the driving safety laws in the state of District of Columbia can be found with this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of District of Columbia.
The District of Columbia Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.
The District of Columbia has minimum auto insurance amounts that are required by law. The table below shows the DC minimum car insurance limits.
Minimum Car Insurance Coverage Required in D.C.
|
Minimum Coverage |
| Bodily Injury, per person |
10,000 |
| Bodily Injury, per accident |
25,000 |
| Property Damage |
5,000 |
Resources Available to Consumers
The District of Columbia Small Claims Court is available for you to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.
The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, underinsured or the victim of a flood.
