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The idea is that when insurance companies and agents compete consumers saves money. And, using the DavidOsler.com tool is an easy way to rate shop because consumers don’t have to call agents. See here: http://www.davidosler.com/. Many insurance industry professionals say many Americans are typically overpaying for car insurance by $350 to $600 annually, sometimes much more.
Some details on the types of mandatory and optional car insurance coverage offered to drivers in Washington D.C. are as follows:
Drivers in Washington D.C. have to have car insurance. That insurance must comply with the No-Fault act for Motor Vehicle Insurance. Residents in the District of Columbia can choose from fault-based coverage or no-fault coverage. They must also have uninsured motorist coverage as well as liability coverage.
It is important to note that while auto insurance companies in the area offer no-fault options, it is not mandatory to have this type of insurance.
Liability insurance coverage protects any other car and driver in the event an accident is your fault. In Washington D.C., you have to have a minimum of $25,000 per person, per accident for any bodily injuries.
You must also have $50,000 of coverage for bodily injury following an accident. This is offered by insurers as $25,000/$50,000 coverage. You also have to have $10,000 for property damage. Uninsured motorist insurance will cover you in case you are involved in an accident with an uninsured driver. This coverage protects you, any passengers in your car and your car itself.
The minimum of uninsured motorist coverage is $5,000 in property damage with a $200 deductible. You also want $25,000 coverage per person, per accident for bodily injury. You can also get $50,000 of insurance for bodily injury per accident. You can also get different types of optional coverage.
Personal injury protection or PIP covers your costs in a car accident, no matter who is at fault. This coverage must be used following an accident within 60 days. During that time you must decide if you want to use the coverage to cover any accident related expenses or if you want to file a lawsuit against the other driver’s insurance company. If you use this coverage, you cannot sue the other driver or file any type of claim against him or her. Talk to your insurer today to see what options are best for you.
DavidOsler.com is a leading online auto insurance shopping marketplace that connects consumers with select insurance company agents. DavidOsler.com operates the free automated auto insurance rate-shopping tool called “Auto Insurance Saver” currently available in most every state in the United States. The unique automated tool enables consumers to quickly access competing auto insurance rate quotes from a number of select top insurance providers who are competing for the driver’s insurance business, without being required to enter too much personal information. DavidOsler.com does not provide quotes directly to consumers. DavidOsler.com does not provide insurance and is not a licensed insurance provider but connects consumers with select insurance agents via its unique, free “Auto Insurance Saver” tool.