If you've been injured in a Washington D.C. accident, review these rules before starting your personal injury case.
If you've been hurt in an accident in Washington, D.C. (D.C. or the District), you might be thinking of bringing a personal injury (PI) insurance claim or lawsuit. Odds are, though, that you aren't familiar with the laws and rules that control your case. Before you move ahead, take a few minutes to learn the basics of D.C. personal injury law.
We'll walk you through some of those laws, including the District's auto insurance system, how long you have to file a lawsuit in court, where to file your lawsuit, what happens to your claim if you're partly at fault, and more.
Statutes of Limitations on D.C. Personal Injury Lawsuits
The District has enacted several deadlines, called "statutes of limitations," on the time you have to file a lawsuit in court. We begin with D.C.'s general three-year limitation period. From there, we'll have a look at some special rules and exceptions that apply in particular cases.
General Rule: Three Years From the Date You Were Injured
You have three years from the date your claim "accrues" to file a personal injury lawsuit in court. (D.C. Code § 12-301(a)(8) (2024).) A personal injury claim usually accrues on the date you're injured. As a general rule, then, D.C. law gives you three years from the date you were injured to file suit.
Intentional Tort Claims: One Year
The filing deadline for several intentional torts—deliberate misconduct that causes injury—is one year from the date of injury. The claims covered by this rule include:
- assault and battery
- defamation (libel or slander)
- false arrest, and
- false imprisonment.
(D.C. Code § 12-301(a)(4) (2024).)
Medical Malpractice Claims: Notice Requirement
Medical malpractice lawsuits are included in the three-year statute of limitations general rule discussed above. But you must provide the party you're planning to sue (the "defendant") notice of your intention to sue at least 90 days before filing in court. (D.C. Code § 16-2802(a) (2024).) The notice must include the information required by D.C. Code § 16-2802(b) (2024).
Providing this notice is not the same thing as filing a lawsuit. You must give notice first and then, after waiting at least 90 days, you can file in court. If you don't provide the required notice, you're not allowed to sue. (D.C. Code § 16-2802(c) (2024).)
Claims Against the District: Notice Requirement
Personal injury claims against D.C. are also included in the three-year statute of limitations general rule mentioned above. Here, too, pre-suit notice is required. You must provide the D.C. Mayor with written notice of your claim within six months after you were injured. (D.C. Code § 12-309(a) (2024).)
You can satisfy this notice requirement by providing the Mayor with a copy of a written D.C. Metropolitan Police Department report.
Injured Person Is Legally Disabled
When an injured person is legally disabled—meaning legally unable to manage their own affairs without help or supervision from a parent, guardian, or court—the applicable filing deadline starts to run when the disability is removed. Under District law, legally disabled persons include those who are:
- younger than 18
- mentally incapacitated, and
- imprisoned.
(D.C. Code § 12-302(a) (2024).)
Defendant Is Absent From the District
If the defendant is a D.C. resident who leaves the District or goes into hiding, the limitation period doesn't run while the person is gone from D.C. or is hiding. (D.C. Code § 12-303 (2024).)
Discovery Rule
Generally speaking, the statute of limitations clock starts running on the date you're injured. But what happens if you don't know right away that you're hurt? In that case, D.C.'s "discovery rule" might give you extra time to file.
Under the discovery rule, your time to file a lawsuit doesn't start to run until you discover, or you reasonably should discover, that someone else's wrongdoing hurt you. (See Knight v. Furlow, 553 A.2d 1232, 1236 (D.C. 1989).)
D.C.'s Motor Vehicle Insurance System
The District has adopted a fault-based auto insurance system, though it's easy to confuse with a no-fault insurance system. Let's find out about the basics of D.C.'s auto insurance law.
Why It's Fault-Based Insurance
Under District law, you must have at least the minimum required auto liability insurance (see below). In addition, your auto insurance company must offer you optional no-fault personal injury protection (PIP) coverage. (D.C. Code § 31-2404(a)(1) (2024).) The requirement of PIP insurance makes the District's insurance law look like what's sometimes called a "choice no-fault" system.
Here's why it isn't no-fault insurance. If you've chosen to buy PIP coverage and you're injured in a wreck that was someone else's fault, you have 60 days after the date of the accident to elect to receive no-fault benefits. If you don't make the election, you're deemed to have chosen to bring a claim against the at-fault driver's auto liability insurance. (D.C. Code § 31-2405 (2024).)
If you elect to take no-fault PIP benefits, then you're barred from bringing a claim or a lawsuit against the responsible driver unless you satisfy one or both of these injury severity thresholds:
- your medical bills exceed your PIP coverage, or
- your injuries cause substantial, permanent scarring, disfigurement, or a qualifying impairment.
(D.C. Code § 31-2405(b) (2024).)
Because there's no restriction on your right to sue for your injuries—unless you choose, after being injured, to take PIP benefits—D.C. law effectively creates a fault-based auto insurance system.
Minimum Liability Insurance
District law requires auto owners to have liability insurance with at least these minimum coverages:
- $25,000 for bodily injury to, or the death of, one person in an accident
- $50,000 for bodily injuries to, or the deaths of, two or more people in an accident, and
- $10,000 for property damage caused in an accident.
(D.C. Code § 31-2406(b-c) (2024).)
Uninsured Motorist Coverage
District law also requires that drivers have uninsured motorist (UM) coverage. Uninsured motorist coverage pays your damages if you're hurt by an uninsured driver. The minimum required UM coverages are:
- $25,000 for bodily injury to, or the death of, one person in an accident
- $50,000 for bodily injuries to, or the deaths of, two or more people in an accident, and
- $5,000 for property damage caused in an accident.
(D.C. Code § 31-2406(f) (2024).)
What Happens If You're Partly to Blame for the Accident?
In a typical PI case, to collect damages you must show that someone else negligently caused your injuries. In many cases, the other party, in defending against your claim, will assert that you, too, were negligent and that your negligence should reduce or eliminate the damages you can recover. The District has adopted a very harsh version of this defense, called contributory negligence.
How the Contributory Negligence Rule Works
Under the contributory negligence rule, if your own negligence contributes to the accident that caused your injuries, you're completely barred from collecting any damages for your injuries. Even the tiniest amount of negligence on your part—just 1%—defeats your claim entirely.
In a D.C. personal injury case, you should expect the other party to look for any way to pin some small amount of fault for the accident on you. If they succeed, they owe you nothing. This is one of many reasons why you should hire an experienced D.C. personal injury lawyer to handle your case.
Exception to the Contributory Negligence Rule
When a "vulnerable user" is involved in a motor vehicle collision, the contributory negligence rule doesn't apply. Instead, D.C. law uses a more lenient comparative negligence rule. A vulnerable user can collect at least some damages for their injuries as long as they weren't more than 50% responsible for the accident. (D.C. Code § 50-2204.52(a)(1) (2024).)
A vulnerable user is "an individual using an all-terrain vehicle, bicycle, dirt bike, electric mobility device, motorcycle, motorized bicycle, motor-driven cycle, non-motorized scooter, personal mobility device, skateboard, or other similar device." (D.C. Code § 50-2204.51(13) (2024).)
Here's an example. Say you're riding a bicycle in D.C. A motor vehicle collides with you, causing you serious injuries. After a trial, the jury finds your total damages are $100,000. The jurors decide that the motor vehicle driver was 70% at fault. But they also find that the brakes on your bike weren't working correctly. For that reason, they assess the remaining 30% of the negligence to you. How much of your damages can you collect?
Because you were only 30% to blame, D.C.'s vulnerable user comparative negligence rule lets you collect 70% of your damages: $100,000 x 70% = $70,000. What would the outcome be if the jury found you 51% (or more) negligent? You'd collect zero damages.
Where and How to File a D.C. Personal Injury Lawsuit
Your personal injury case is a kind of civil lawsuit. Where and how you file your case is determined by District law and by court rules called the Superior Court Rules of Civil Procedure. Individual judges have supplemental rules that you'll need to follow, too. Give serious thought to having a lawyer prepare and file your lawsuit and represent you in your case.
Where to File
In D.C., you file your PI case in the Civil Division of the Superior Court. The Court has published a useful handbook for self-represented parties. You should also review the Case Management Plan.
How to File
You start your PI lawsuit by filing a complaint with the court. (Sup. Ct. R. Civ. Proc. 3 (2024).) In separately numbered paragraphs, (Sup. Ct. R. Civ. Proc. 10(b) (2024), your complaint should describe:
- the parties who are involved in the case
- when, where, and how you were injured
- your injuries
- what the other party did wrong to cause your injuries, and
- the relief (usually money damages) you're asking the court to award you.
Be sure to include the information required by Sup. Ct. R. Civ. Proc.10(a) (2024), as well as any other information required by the rules. In addition to your complaint, you must complete:
- a summons—an order directing the defendant to appear in court and defend the case, and
- an information sheet—a form that provides basic information about the case and the parties.
The court clerk will prepare what's known as the "Initial Order." It's an order concerning things like how long you have to deliver the lawsuit to the defendant and how long the defendant has to respond to your complaint.
Once you've filed your complaint, you'll need to "serve" each defendant, meaning formally deliver to them a copy of the summons, complaint, Initial Order, and Information Sheet. (See Sup. Ct. R. Civ. Proc. 4 (2024).) Personal service must be done by someone other than you who's older than 18. You can serve most defendants by certified or registered mail.
Does D.C. Limit Damages in a Personal Injury Case?
In a word: No.
Many states have enacted limits, called "caps," on damages in personal injury cases. Typically, these laws cap the amount of noneconomic damages an injured person can collect. Some states limit damages in all cases, while others target specific claims, like malpractice suits. The District doesn't cap personal injury damages.
Get Help With Your D.C. Personal Injury Case
We've covered some of the District's basic personal injury laws. If you've been injured and you're thinking about bringing an insurance claim or a lawsuit, there's much more you should know. For example, because D.C.'s contributory negligence rule is an absolute claim killer, you might need to know if there are ways to work around it. Rest assured that your opponent will be represented by experienced legal counsel. To make it a fair fight, you should be, too.
When you're ready to move forward with your case, here's how to find a personal injury lawyer who's right for you.
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