Auto Insurance Laws and Trends in Washington, D.C.

Washington, D.C. has the highest auto insurance premiums in the country. According to the Insurance Information Institute, the average insurance policy was $1,182. On average, premiums increased 8.72% every year. After 2005; however, insurance rates began to decline.

The District of Columbia's tort system of auto insurance

Washington, D.C. works with the tort system of insurance. All expenses related to injuries and property damage must be paid by the responsible party. This is why it is so important to carry valid insurance. Without it, motorists would be responsible for paying all costs out of pocket. Minimum limits of liability are:

• Bodily injury: $25,000 per person    $50,000 per accident
• Property damage: $10,000
• Under/uninsured motorist coverage: $25,000 per person   $50,000 per accident
• Personal injury protection: $5,000

Of course, motorists are encouraged to carry higher limits than this. It is also recommended to carry physical damage coverage such as collision and comprehensive.

Failure to show proof of valid insurance will earn a motorist an automatic $30 fine and an additional $7 per day , until they can provide proof of coverage.

Facts about auto accidents in Washington, D.C.

One of the major causes of accidents in Washington, D.C. is driver distraction, especially from the use of cell phones. Between the years of 2000 and 2008, the number of motorists who have been observed using cell phones at intersections has increased by 8%. Because of this, the state has implemented strict policies that ban the use of cell phones (talking and texting). Compliance with these laws was shown to occur immediately and has continued to increase.

• Immediate compliance: 41%
• Compliance after 5 years: 43%

These harsh laws have proven to be extremely effective, more so than many other states in the country. No drivers are permitted to use handheld cell phones while driving. Teenagers and bus drivers cannot use handheld devices or hands free systems.

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