DC

District of Columbia Insurance Regulations

Consumer rights and insurance laws in District of Columbia

Overview

DC's Department of Insurance, Securities and Banking oversees insurance regulation in the nation's capital. Like a handful of other jurisdictions, DC follows the strict contributory negligence rule, barring recovery if the claimant bears any fault.

Key Insurance Regulations in District of Columbia

Contributory negligence — even 1% fault bars recovery
3-year statute of limitations for personal injury and property damage
Mandatory auto insurance: 25/50/10 minimum liability with uninsured/underinsured motorist coverage

Filing an Insurance Complaint in District of Columbia

If you believe your insurance company has acted unfairly or violated District of Columbia insurance laws, you can file a complaint with the DC Department of Insurance, Securities and Banking. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.

Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The DC Department of Insurance, Securities and Banking typically responds to complaints within 30 days.

DC Department of Insurance, Securities and Banking

Insurance Commissioner: Karima Woods

Phone: (202) 727-8000

Website: https://disb.dc.gov

File a Complaint: Consumer Complaint Portal

Insurance Claim Guides for District of Columbia

Browse our detailed insurance claim guides tailored specifically to District of Columbia laws and regulations.

Auto Insurance Claims in District of Columbia Home Insurance Claims in District of Columbia Health Insurance Appeals in District of Columbia Insurance Denial Letter Templates in District of Columbia Demand Letter Guide in District of Columbia Insurance Settlement Calculator Guide in District of Columbia Diminished Value Claims in District of Columbia Total Loss Dispute Guide in District of Columbia Bad Faith Insurance Claims in District of Columbia Underinsured Motorist Claims in District of Columbia Uninsured Motorist Claims in District of Columbia Rental Car Insurance Coverage in District of Columbia GAP Insurance Claims in District of Columbia Insurance Subrogation Explained in District of Columbia PIP (Personal Injury Protection) Guide in District of Columbia Bodily Injury Claims in District of Columbia Property Damage Claims in District of Columbia Liability Claim Process in District of Columbia Comprehensive Insurance Claims in District of Columbia Collision Insurance Claims in 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District of Columbia Insurance Regulations & Consumer Rights — 2026 Guide | InsurifyAI | InsurifyAI