District of Columbia Property & Casualty Insurance License Exam — All Questions
4 questions
What are the District of Columbia's minimum auto liability limits for a private passenger vehicle?
- a.$20,000 / $40,000 / $10,000
- b.$25,000 / $50,000 / $10,000✓
- c.$25,000 / $50,000 / $25,000
- d.$30,000 / $60,000 / $25,000
The District's minimum liability limits are 25/50/10: $25,000 bodily injury per person, $50,000 per accident, and $10,000 property damage, verified this session via a state auto-insurance requirements source. These are minimums that can change by law, so confirm current figures with DISB.
Which coverage is mandatory on a District of Columbia personal auto policy in addition to liability?
- a.Collision coverage
- b.Rental reimbursement coverage
- c.Uninsured/underinsured motorist coverage✓
- d.Gap coverage
In addition to liability, the District requires uninsured/underinsured motorist coverage, generally $25,000/$50,000 bodily injury (with uninsured-motorist property damage as well), verified this session via a state auto-insurance requirements source. Confirm the current figures and any UM property-damage deductible with DISB.
Which statement best describes the District of Columbia's auto no-fault framework?
- a.DC is a pure no-fault state that bars auto injury lawsuits below a threshold
- b.DC is a pure tort state with no personal injury protection available
- c.DC uses an optional no-fault system: a policyholder who carries PIP has a limited window (generally 60 days) after an accident to elect PIP benefits or pursue a tort claim✓
- d.DC has no financial-responsibility requirement at all
The District is neither pure tort nor pure no-fault. PIP is offered, and a policyholder who has PIP has a limited window, generally 60 days per the Insurance Information Institute, to elect either PIP first-party benefits or a tort claim against the at-fault driver. Confirm the current election period and PIP amounts with DISB.
Under the District's optional no-fault framework, roughly how long does an insured who carries PIP generally have after an accident to decide between PIP benefits and a tort claim?
- a.10 days
- b.60 days✓
- c.6 months
- d.There is no election period; the choice is fixed at policy issuance
Per the Insurance Information Institute, a District policyholder who carries PIP generally has about 60 days after an accident to elect either PIP first-party benefits or a tort claim against the at-fault driver. Because the details are set by District law and can change, confirm the current election period with DISB.