DC Auto Insurance Policies 2

Question 1

Under DC law, what is the minimum required bodily injury liability coverage per person for a private passenger vehicle?

Accepted Answer

$25,000

Answer

DC requires a minimum of $25,000 per person for bodily injury liability on private passenger vehicles.

Question 2

Which DC auto insurance coverage pays for damage to your own vehicle regardless of fault?

Accepted Answer

Collision coverage

Answer

Collision coverage pays to repair or replace your vehicle when it collides with another object, regardless of who is at fault.

Question 3

In DC, uninsured motorist (UM) coverage must be offered in what minimum amount?

Accepted Answer

Equal to liability limits

Answer

DC requires that UM coverage be offered in an amount equal to the insured's liability limits.

Question 4

What does comprehensive auto coverage protect against?

Accepted Answer

Non-collision losses such as theft, fire, and weather

Answer

Comprehensive coverage covers losses not caused by collision, including theft, vandalism, fire, hail, and animal strikes.

Question 5

In DC, what is the maximum period an insurer may cancel a personal auto policy mid-term for reasons other than non-payment after the policy has been in force 60 days?

Accepted Answer

Cancellation is not allowed except for fraud or non-payment

Answer

Once a DC personal auto policy has been in force for 60 days, mid-term cancellation is restricted to non-payment of premium, fraud, or material misrepresentation.

DC - District of Columbia Insurance Practice Test

DC - District of Columbia Insurance Practice Test

DC Auto Insurance Policies 2