Auto Insurance Policies Flashcards

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

Answer: $25,000

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

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

Answer: Collision coverage

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

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

Answer: Equal to liability limits

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

What does comprehensive auto coverage protect against?

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

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

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?

Answer: Cancellation is not allowed except for fraud or non-payment

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.

Which of the following is NOT a required disclosure when selling personal auto insurance in DC?

Answer: Agent's commission percentage

Agents are not required to disclose their commission percentage to personal auto insurance buyers in DC.