District of Columbia Personal Lines Insurance License Exam — All Questions

What minimum auto liability limits must a District of Columbia personal auto policy carry?

• a.$15,000 per person / $30,000 per accident bodily injury and $5,000 property damage
• b.$25,000 per person / $50,000 per accident bodily injury and $10,000 property damage✓
• c.$30,000 per person / $60,000 per accident bodily injury and $25,000 property damage
• d.$50,000 per person / $100,000 per accident bodily injury and $50,000 property damage

The District of Columbia requires minimum auto liability limits of 25/50/10 — $25,000 bodily injury per person, $50,000 bodily injury per accident, and $10,000 property damage. These are minimums; producers should offer higher limits. Source: DC Department of Insurance, Securities and Banking (https://disb.dc.gov).

The District of Columbia mandates uninsured motorist (UM) coverage. Which limits apply?

• a.UM is not required in DC
• b.A flat $5,000 bodily injury only
• c.Uninsured motorist bodily injury of 25/50 plus uninsured motorist property damage of $5,000 (subject to a deductible)✓
• d.$100,000 per person / $300,000 per accident with no property-damage component

The District of Columbia requires uninsured motorist bodily injury coverage of at least $25,000 per person / $50,000 per accident and uninsured motorist property damage of $5,000 (with a small deductible). Underinsured motorist coverage is generally required at the same bodily-injury limits. Source: DC Department of Insurance, Securities and Banking (https://disb.dc.gov).

How does the District of Columbia handle Personal Injury Protection (PIP) / no-fault benefits?

• a.DC is a pure no-fault jurisdiction that bars all lawsuits
• b.PIP is prohibited in DC
• c.DC requires every driver to choose full tort or limited tort
• d.DC is an 'add-on' jurisdiction: insurers must offer PIP, but the insured retains the right to pursue a tort claim against an at-fault driver✓

The District of Columbia is not a pure no-fault state. It is an 'add-on' jurisdiction: insurers must make Personal Injury Protection available, but buying or using PIP does not remove the insured's right to bring a tort claim against an at-fault driver (an injured person generally elects between PIP benefits and a tort claim after a crash). Confirm current PIP election rules with the DC Department of Insurance, Securities and Banking (https://disb.dc.gov).

How are cancellation and nonrenewal of a personal auto or homeowners policy regulated in the District of Columbia?

• a.An insurer may cancel any personal policy at any time for any reason with no notice
• b.Only the policyholder may ever cancel; insurers can never cancel mid-term
• c.There are no notice rules; cancellation is governed solely by the contract
• d.DC law limits the reasons an insurer may cancel or nonrenew and requires advance written notice to the insured; confirm the exact notice period with DISB✓

The District of Columbia restricts mid-term cancellation of personal auto and homeowners policies to specified reasons (such as nonpayment or material misrepresentation) and requires advance written notice of cancellation or nonrenewal. The exact number of days varies by reason and line — verify current DC notice periods with the Department of Insurance, Securities and Banking.

Which best describes the body that writes and enforces the District of Columbia's insurance regulations affecting personal lines policies?

• a.The Department of Insurance, Securities and Banking (DISB), a DC government agency led by an appointed Commissioner✓
• b.A private trade association of insurers with no government authority
• c.The federal Department of Insurance in Washington, D.C.
• d.The U.S. Congress acting directly on each policy

Insurance in the District of Columbia is regulated by the Department of Insurance, Securities and Banking (DISB). Although DC is a federal district, it supervises its own insurance market through DISB — there is no federal department of insurance. DISB licenses producers and enforces cancellation, rating, and coverage rules. Source: DC Department of Insurance, Securities and Banking (https://disb.dc.gov).