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If you’ve been injured in a motor vehicle accident, the driver at fault is responsible for covering medical expenses and wage losses. However, 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.
The Washington, DC car accident attorneys at Regan Zambri Long have a proven track record of securing compensation for our clients. 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.
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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: a) doesn’t carry insurance, b) doesn’t carry enough insurance, and/or c) whose insurance company denies coverage.
The laws regarding auto insurance coverage in Washington, DC, are clear. According to the DC Department of Motor Vehicles (DMV), drivers must carry valid vehicle insurance to register a car. Coverage must include uninsured motorist protection: at least $25,000 per person and $50,000 per accident for bodily injury, and $5,000 per accident for property damage (with a $200 deductible).
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’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.Â
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.
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.