When another driver doesn’t carry enough insurance to cover the harm they caused, a Washington, DC uninsured motorist claim lawyer becomes essential for protecting your rights and securing the compensation the law allows.
At Regan Zambri Long, you will benefit from almost 200 years of combined experience and a long record of results built since 1997, including more than $1 billion in settlements and verdicts. Our award winning car accident attorneys include founding partners who are board certified by the National Board of Trial Advocacy, and attorneys named as Lawyer of the Year on four occasions by Best Lawyers. With over 100 5 star Google reviews, our reputation reflects the resources and skills we bring to each claim. We front all case costs from the start and work with respected expert witnesses who help us document injuries, explain insurance issues, and build a clear picture of your losses.
Let an experienced car accident lawyer take the lead in pursuing your right to compensation, so you can focus on what matters most—your full recovery. Contact Regan Zambri Long and one of our attorneys will personally call you back. We are available 24 hours a day, 7 days a week, and you don’t pay unless we win your case.
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According to a 2023 study, the Insurance Information Institute reported that in Washington, DC, nearly one in four drivers (23.1%) are uninsured, placing it among the highest in the nation. This means drivers in DC face a significantly greater risk of accidents with uninsured motorists than in most other states. It doesn’t help that Washington, DC is considered one of the most dangerous places to drive, according to a 2025 Allstate report. DC drivers are involved in a car accident every 3.87 years, more than half the national average of once every 10.56 years.
Uninsured Motorist Coverage (UM) and Underinsured Motorist Coverage (UIM) pay for medical bills and other damages to the victims of car accidents when the at-fault driver:
Although Washington, DC has one of the highest uninsured driving rates in the country, the percentage of underinsured drivers is strikingly low. The Insurance Research Council study also found that only 4.6% of insured motorists in DC are underinsured, the lowest rate in the nation.
If insurance coverage is terminated, motorists are subject to fines and penalties if they do not immediately surrender their vehicle tags to the DMV. However, even with those stringent laws, there are still plenty of uninsured and underinsured drivers operating vehicles. A reckless moment on their part could not only lead to severe injury and property damage, but could also leave you to foot the bill.
If you’ve been injured in a motor vehicle accident, the driver at fault is responsible for covering medical expenses and wage losses. In cases where the at-fault driver doesn’t have any coverage or doesn’t have enough coverage, you will need to file an underinsured or uninsured motorist claim. To be successful, you’ll need an advocate who will fight for compensation on your behalf.
If you have been the victim of a hit and run accident or were involved in a car accident with an uninsured or underinsured driver, you should file an uninsured motorist claim. If the driver is uninsured, you can file a claim for full compensation. If the at-fault driver has coverage, but not enough coverage to compensate for medical expenses and resulting wage loss, an underinsured motorist claim can be filed for the losses that should have been covered.
In many instances, the minimum coverage for bodily injury and property damage will not be enough. A single ambulance ride to the hospital in Washington, DC can start at $750. Then, you have to worry about an emergency room visit, a hospital stay, extensive testing, possible surgery, physical therapy, medications, and follow-up appointments. On top of that, if the car accident results in an injury that leaves you unable to work, there may be months, if not years, of loss of wages.
Our lawyers have helped people like you file uninsured motorist claims and obtain the compensation they need. Call an uninsured motorist car accident lawyer at Regan Zambri Long to schedule a free consultation.
The very first step is to check your auto insurance policy. If your vehicle is registered in Washington, DC, you will have uninsured motorist coverage. If you are the victim of a car accident or a hit and run, you must notify your insurance company immediately. Detailed information of the accident will need to be provided, including the other driver’s coverage and the extent of your personal injuries and damages to your car.
A hit and run accident is when a driver causes an accident and then flees the scene without identifying themselves, calling the police, or offering aid. Washington, DC enforces severe consequences for hit and run drivers, but in cases where the driver cannot be traced or is found but doesn’t have insurance, it leaves the victim to try to recoup compensation on their own. Washington, DC, is one of the few jurisdictions in the U.S. that includes hit and run accidents under uninsured motorist property damage coverage.
If you have been the victim of a hit and run accident, it would be prudent to contact your insurance company and an experienced car accident lawyer at Regan Zambri Long immediately.
Filing insurance claims can be nightmarish. Legitimate claims are often denied, the paperwork is endless, and a clerical or procedural mistake on your part could cost you the money you are owed. In uninsured motorist claims, you will most likely have to deal with different insurers – yours and the other driver’s. With your insurance company, you will most likely not speak to your own agent, but to an adjuster whose job is to pay the minimum of what is contractually owed to you.
This is where the law firm of Regan Zambri Long comes in. This firm’s leading car accident lawyers have recovered millions for our clients. Our results-driven, hands-on attorneys care about our clients and personally walk them through the claims process. In the most severe circumstances, we will help family members pursue a wrongful death claim to recover the victim’s full value of life, as well as other damages.
Regan Zambri Long is annually listed as one of the Best Law Firms in America, and all six of our partners have been named to Lawdragon’s list of the nation’s 500 Leading Plaintiff Consumer Lawyers.
Our attorneys have also spent years helping shape the trial bar here in the District. Several have served as past presidents or on the board of governors of the District of Columbia Trial Lawyers Association, reflecting their long standing involvement in the local legal community. Three of our partners are named among the Top 100 Super Lawyers in Washington, DC, a distinction that stands out in a city with more than 80,000 lawyers.
Our founding partners bring even deeper credentials. All three are board certified in Civil Trial Law and Civil Trial Advocacy by the National Board of Trial Advocacy, a credential held by less than 4% of attorneys across the United States. They also hold AV Preeminent ratings from Martindale-Hubbell, which is the highest rating available.
Patrick Regan is a Fellow of the International Academy of Trial Lawyers, an invitation only group whose members make up less than one half of 1% of American lawyers. He has also served as president of the DC chapter of the American Board of Trial Advocates, and Salvatore Zambri is the National Board Representative for the DC chapter, as well as a past chapter president.
Regan Zambri Long’s car accident lawyers are sought out because we understand the ins and outs of DC laws and insurance companies and the very nature of what our clients are going through. We know we are coming into your life at a point of extreme stress, physical and emotional pain, and even tragedy – we realize that our clients want results as quickly as possible so they can move on with their lives. We will work diligently to recover the money owed to you, including medical expenses, property damage, wrongful death, non-economic damages, and wage loss.
The laws on uninsured motorist coverage vary from state to state. In Washington, DC, vehicle registration requires the driver to carry 25/50 UM and $5,000 UMPD.
No. Drivers cannot combine coverage limits for multiple vehicles.
Set up the claim with your insurance company by calling the claims number displayed on your insurance card. Do not speak with a representative or an adjuster alone or unprepared. Reach out to uninsured motorist claims lawyers so they can guide you through the process, from beginning to end. The insurance company will send release forms and ask you to provide information regarding the accident, the other driver’s insurance, medical records, and even payroll records. This is where an attorney helping you with your claim will be vital. The insurance company may ask for information it doesn’t need or possibly shouldn’t even be allowed to obtain. Even though they are your insurance company, they may do everything possible to minimize the payout.
Not necessarily. A lawsuit is only necessary when a fair settlement can’t be reached with the insurance company. If you reach an agreement, the claim can be paid and resolved without a lawsuit.
According to §12–301 of the DC Code, the statute of limitations in Washington, DC is 3 years for bodily injury and personal property damage. Many insurance companies will want you to begin the claims process as soon as possible. Be sure to factor in hospital stays, surgeries, and vehicle expenses so there is a rough estimate of how much compensation you should receive.
This varies from case to case. However, the attorneys at Regan Zambri Long understand your eagerness to get back to normal. We will work diligently to ensure that you are not only fully compensated, but compensated in a timely manner so you can get back to your life.
The DC Uninsured Motorist Fund is a fund for pedestrians and passengers who have been injured in an accident by an uninsured driver. Every time we get behind the wheel of a car, there is a possibility we may be involved in an accident. Thankfully, vehicles today are made to absorb the brunt of the collision, and many people walk away fairly unscathed. However, if you were the victim of an accident and have sustained injuries and damage, you have rights. Allow Regan Zambri Long to be your advocate through this difficult journey. Our leading attorneys can lessen the burden on you so you can heal and move forward with your life as quickly as possible.
Have you or your loved one sustained injuries in Washington DC, Maryland or Virginia? Regan Zambri Long PLLC has the best lawyers in the country to analyze your case and answer the questions you may have.