Understanding how Washington DC bodily injury works will help you understand how you will get your medical care covered for your injuries. All states, and DC, have requirements for the type of car insurance you are required to purchase in order to drive. In Washington DC, you are required to carry Liability, which is divided into Bodily Injury Liability and Property Damage Liability,and Underinsured motorist coverage.
Your coverage pays for serious and permanent injury or death to others when you cause a crash involving your automobile. Your insurance company will pay for injuries up to the limits of your policy and provide legal representation for you if you get sued.
Underinsured/Uninsured motorist coverage is coverage you are required to have if you are a Washington DC driver. This coverage will cover medical bills and other expenses, including wage loss, if you are involved in an accident with a driver who is not insured, or whose insurance coverage is not high enough to cover your medical bills.
However, Washington DC uses Pure Contributory Negligence rules, which means that an injured party cannot recover any damages if the individual is even one percent at fault.
Determining who is at fault after a car accident is complicated and cannot be sorted out online. Your insurance company will help you with this.
The Statute of Limitations means that you must file a lawsuit or close or settle your case within your state time limits. The time clock starts on the day of the car accident.
Injury: 3 years
Property Damage: 3 years
To learn more about your State's insurance rules and regulations:
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