Injury · District of Columbia
the short answer
You have three years from the day of the crash to file, and no amount of talking to an insurer extends it. If any of the blame lands on you, that is the end of it — the District still bars the claim of a driver who was even slightly at fault. Your own insurer pays the medical bills first if you elect it, and you have 60 days after the crash to decide — electing it is what puts a threshold between you and the other driver.
source ↗Not yet checked against the statute.
governing statute
D.C. Code § 12-301(a)(8)
source ↗Not yet checked against the statute.
who pays first
The District is the one place where this choice is made after the crash rather than in the policy, and it is made on a 60-day clock. Decline personal injury protection benefits inside those 60 days and the ordinary at-fault claim against the other driver is yours. Elect them and you may sue that driver only if the injury leaves substantial permanent scarring or disfigurement, a substantial and medically demonstrable permanent impairment, or an impairment that keeps you from your usual activities for more than 180 continuous days — or your medical bills exceed the personal injury protection benefits available to you. (D.C. Code § 31-2405)
source ↗Not yet checked against the statute.
Across the country. District of Columbia is the only one of the 51 states written up that answers this way. Compare every state →
your share of the fault
Any share of the blame at all ends the claim. One percent at fault and you recover nothing — the District is one of five jurisdictions in the country that still applies contributory negligence, and it is the hardest single fact about an injury claim here. (D.C. Code § 50-2204.52)
source ↗Not yet checked against the statute.
Across the country. 5 of the 51 states written up answer this the same way as District of Columbia. Compare every state →
limit
3 years
source ↗Not yet checked against the statute.
Across the country. 18 of the 51 states written up answer this the same way as District of Columbia. The shortest is 1 year, as in Tennessee; the longest is 6 years, as in Maine. Compare every state →
which court
Small Claims and Conciliation Branch of the Superior Court
source ↗Not yet checked against the statute.
small claims limit
$10,000
source ↗Not yet checked against the statute.
also
The District bars the claim of a driver who was even slightly at fault, but not of a pedestrian, cyclist or other vulnerable user — for them the traffic code replaced contributory negligence, and they are barred only where their share of the fault was greater than the driver's.
source ↗Not yet checked against the statute.
your situation
Everything above is the law as it reaches everyone in the District of Columbia. What it means for you turns on facts only you have. Tell us what happened and we'll ask the same questions a lawyer would — about 90 seconds, free, and anonymous.
This is legal information, not legal advice. Written by an AI model, which can be wrong. Not a lawyer, and not a prediction about your case. Terms · Privacy
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