Talk to a DUI lawyer right now!

Auto Insurance Basics Washington DC

Reader’s Question:

I would have to take a few moments to understand what I need to buy for my car insurance here in Washington, DC. Other than the required liability insurance, what other coverage can I purchase?

Laurie

Washington, DC

By law, you will be mandated in the District of Columbia to purchase at least the minimum auto liability insurance coverage. The first one would be for bodily injury liability which would protect your properties in case you’re held responsible for a car accident in which other persons are injured or killed. The next one would be for property damage liability which will cover for the repair or replacement of the vehicles or other properties of other people. Lastly, it is also required in Washington, DC to get uninsured and underinsured motorist coverage. This type of coverage will protect you from any losses caused by other motorists who have small or no car insurance coverage.

Other than the mandated auto liability insurance, you may also opt to purchase other coverage. First would be the collision coverage which would pay for the repair or replacement of your vehicle if it gets damaged in a car crash. Then you may also opt to buy comprehensive coverage which would cover you from any damage on your vehicle that is caused by any other things than a car accident. Examples of these things include theft, storm, earthquake, flood, etc.

Tags: auto liability insurance, car insurance, collision coverage, comprehensive coverage