In the District of Columbia, uninsured motorist coverage is mandatory, underinsured coverage is optional, and a policy may include terms that preclude stacking. Whether you can add the limits of several vehicles turns on your policy's wording. Enter your limit, your damages and the other driver's limits to see the range.
Enter your policy limit, your damages and the other driver's liability limits.
The District's rule is in D.C. Code 31-2406. Subsection (f)(7) lets a policy preclude stacking of uninsured motorist coverages, subsection (c-1) does the same for underinsured coverage and makes it optional, and the definition of an underinsured vehicle is in 31-2402.
Read how stacked and unstacked coverage differ in the District, check what the statute says and leaves open, or see how mandatory UM and optional UIM work.
A local personal injury attorney can review your claim — many offer a free consultation.
This is an estimate for general guidance only and is not legal advice. Figures are based on the cited District of Columbia statutes. Confirm how these rules apply to your specific case with a licensed District of Columbia attorney.