Washington DC Auto Insurance

Auto insurance has been considered as the most optimal mean through which you can get coverage for the damages related to property and for injuries happened with others during an accident. Accidents on road can happen with anyone any time. No one really knows when these unwanted things will happen. So, it's always better for you to stay prepared about these issues and for that policy can really offer you tremendous support. There are so many insurance companies that you can avail now days. These policies have been designed in order to add more coverage and financial support for people. So, you should negotiate with these polices carefully and select the one that best suits your budget as well as requirements. All you can do is that simply choose the minimum liability coverage for your car insurance policy that has been mentioned as per the state law. If you are living in Washington DC, then first you should know about the minimum requirements for having such policy.

Take the wise move

It's always a wise choice to select the best vehicle insurance policy and that will keep you in the safe side while driving vehicles in this state. Like other US states, here in Washington DC you will also get same sort of approach that has been shown by the concerned authorities to make the Washington DC auto insurance important enough. Throughout the state you will find the importance for having car insurance. If you really want to make your driving pleasant, then having policy can really offer you a great result. If you have been involved in an accident and you don't own the vehicle insurance, then you may come across possibilities like hefty fine, cancellation of registration and license suspension. There are also instances when drivers without car insurance have came across jail like situation that is really a worst tough to handle. These are the common rules for most of the states in the US and may vary slightly from one state to the other. However, owning policy always requires you to learn the minimum liability coverage which is an important stuff.

Minimum requirements for Washington DC auto insurance

As per the state law, drivers in this state needs to carry the $25,000/$50,000/$10,000 policy. That means you should have the minimum of $25,000 for bodily injury per accident and $50,000 for bodily injury of more than two passengers. And at the same time you should have $10,000 as property coverage. As per the state law, drivers in this state should carry their proof of insurance while driving their vehicles. It's a mandatory situation and failure to do the same can add hefty fine as well as license suspension for your account. Traffic ticket will be issued against you and the license will be suspended. Your proof of insurance will carry the financial responsibility in place so it's always important for you to get that ready all the time when you are driving the vehicle in this state. This will also offer you financial support when you need to reimburse the amount for the damages done with other people's properties during the accident. It is also quite good to know that other fellow drivers on the road with you use to have the same sort of minimum liability coverage in case they have caused an accident. If you use to drive at Washington DC, then the minimum requirements for having an auto insurance policy will remain the same like the Washington State. However, you are also required to carry the underinsured insurance policy which will cover you in case of an accident that has happened due to the fault of an underinsured driver.

Washington DC Auto Insurance

Medical payments coverage

As far as the medical payments coverage are concerned in the state like Washington, you should bear an auto insurance policy in the state so that you can find more support to meet the medical expenses in this state. However, there are certain limits that you should carry along with the car insurance policy to meet these medical expenses and to get more protection. Often, then medical payments will carry both the medical as well as funeral costs. Along with that it will also carry the medical expenses for the passengers in that vehicle. Well, this is quite similar to the PIP or known as the personal injury protection like policy. However, it will not cover the expenses for lost wages that may come into account due to an accident. You can opt for the minimum coverage of $10,000 per person and per accident while looking for such policies.

DUI/DWI laws in Washington DC

It's the state laws of Washington that use to remind the drivers in this state about the drunk driving as an offense. It's a serious issue and has been addressed by the state law diligently. Drunk driving can increase your chances to get involved in a possible accident where you may be at fault. And once you have been found at fault for that accident, the driving license will be suspended and you may come across hefty fine amount. In fact alcohol has been considered as the prime element that promoting more number of accidents in the state. Intake of alcohol can really slow down the reaction time, and it can even decrease the alertness of a person while driving the car. It can even promote the drowsiness which is not a good thing while you use to drive. Due to the increasing ratio for drunk driving this state, the penalties related to DUI have been made hefty. This is always stiff in the state and has been followed strictly. If convicted under DUI you may get arrested in Washington DC if the BAC level is 0.8% or more than that. With addition to the injuries and deaths that comes with the drunk driving like activity, there are also several aspects like financial and other penalties that may come in with it. Under such circumstance you may get arrested under DUI.

Possible penalties

• Suspension of driving license
• Revocation of the driving license for more than one year if the driver will refuse to take the BAC test
• For the second DUI, the driver will be arrested and the jail time may move for seven years
• Proof of insurance or the SR22 will be required
• You may need to reapply for the license which also includes the skill tests and other fees
• Hefty fine
• DUI arrest on the driving record and that may lasts for 15 years