--- description: Uninsured motorist coverage is a type of auto insurance that protects you if you get in an accident with someone who doesn't have insurance. title: Why You Should Have Uninsured Motorist Insurance In DC --- Why You Should Have Uninsured Motorist Insurance In DC # Why You Should Have Uninsured Motorist Insurance In DC Last Updated: November 20, 2025 Reading Time: 6 minutes Trusted Content Legally Reviewed by Allan Siegel Updated 7 months ago [Home](https://www.chaikinandsherman.com/) » Why You Should Have Uninsured Motorist Insurance In DC What's On This Page [Case Results](https://www.chaikinandsherman.com/case-results/) $35.6 Million Medical Malpractice $18.8 Million Car Crash $17.1 Million Medical Malpractice $15 Million Neck & Spine Injury $14.25 Million Class Action $6 Million Brain Injury [View All Practice Areas](https://chaikinandsherman.com/practice-areas/) [Testimonials](https://www.chaikinandsherman.com/blog/testimonials-hub/) I would never worry again if they are on the case. Tilwanda Dofat Personal Injury They held my hand through the entire process. Meraf Mitchell They paved the way for a brighter future. Sheree Whitby I’m greeted with a hug every time I come. Sheba Halliburton Personal Injury They are always was available for any of my concerns. Teresa Morring Your office has taken care of us every step. Shyama Personal Injury Contact Us Today! "*" indicates required fields Name* First Last Name* Last Email** Phone*Are you a new client?*Are you a new client? *Yes, I'm a potential new client.No, I'm a current existing client.I'm neitherCase TypeCase TypeMotor Vehicle AccidentSlip & FallAssaultMedical MalpracticeAbuseWork InjuryOtherWere You at Fault?Were You At Fault?NoYesUnknownWhere Did The Incident Occur?Where Did The Incident Occur?Washington, D.C.VirginiaMarylandOtherDid The Accident Occur In the Last Two Years?Did The Accident Occur In the Last Two Years?YesNoShare Brief Description of the Incident* The firm’s four partners discuss their litigation approach and institutional credentials — including over $1 billion recovered, Tier One Best Law Firm recognition, three partners who served as presidents of the DC Trial Lawyers Association, and two Super Lawyers Top 100 honorees. For whistleblower and qui tam clients, the firm brings the same resources, trial readiness, and willingness to confront powerful entities. Video Transcript **Speakers:** Ira Sherman, Joseph Cammarata, Stephen Ollar, Allan Siegel **Joseph Cammarata (00:01):** How do you pick the right personal injury lawyer? How do you know who to trust? This is the most important decision you’re going to make right now. The question is how do you get it right? **Allan Siegel (00:14):** For more than 50 years, we’ve gone to battle for our clients. We represent the victims of car bus and truck collisions, bike wrecks, traumatic brain injuries, and medical malpractice. We fight insurance companies, corporations, and governments at Chaikin, Sherman, Cammarata and Siegel. We know what it takes to win, and we’re proud of the reputation that we’ve built as advocates for the people. **Ira Sherman (00:45):** Experience matters. That’s just the truth. There’s no other way to excel for our clients other than years of hard work. We’ve dedicated our entire professional careers to this cause and what do we have to show for it? Over $1 billion in compensation for our clients. Named Tier One Best Law Firm in Personal Injury Litigation. Three partners who served as presidents of the metropolitan DC Trial Lawyers Association and justice for tens of thousands of clients. **Stephen Ollar (01:22):** Needing a lawyer and finding one can be a scary and overwhelming process. We strive to take the fear and uncertainty out of that process, unlike other firms. When you call our firm, you will always speak with an attorney about your case. As a former staff sergeant in the United States Army, I know what it means to serve and we serve our clients by providing unmatched representation and the expertise to win cases. **Joseph Cammarata (01:50):** Our firm’s mission has always been to represent people from every walk of life, young, old, rich, poor, large cases. In the small ones that comes from our founder, Donald Chaikin. I will never forget what he would tell people. He would say, we fight for those you love. **Allan Siegel (02:09):** We are local and national leaders in the personal injury field. There are not many law firms that have our combination of awards and achievements. We have two trial lawyers recognized in the Super Lawyer’s Top 100 list. Ira Sherman served on the board of the Brain Injury Association of America for many years. Joe Cammarata is a past chair of the AAJ Traumatic Brain Injury Litigation Group, and I recently served as the chair of AAJ’s bus litigation group. Look, if people come in, the world **Ira Sherman (02:40):** is turned upside down. They don’t know where to turn next. When you hire us, we’re going to be doing all we can to obtain justice on your behalf. You just got one thing to do, which is to get **Allan Siegel (02:53):** better. We are Chaikin, Sherman, Cammarata and Siegel. Personal Injury Attorneys in Washington, DC. ## The Importance of Uninsured Motorist Coverage Car accidents are a common occurrence on the roads of Washington, DC. With a high population and heavy traffic, it’s no surprise that many drivers find themselves involved in car accidents. But what happens when you get into an accident with someone who doesn’t have an auto insurance policy? That’s where uninsured motorist coverage comes in. ## Why Get Uninsured Motorist Coverage? Uninsured motorist coverage is a type of auto insurance that protects you in the event of an accident with someone who[ doesn’t have insurance](https://www.chaikinandsherman.com/car-accidents/uninsured-underinsured-motorists/). In DC, it is not mandatory for drivers to have uninsured motorist coverage, but it’s highly recommended. Here are some reasons why you should consider getting uninsured motorist coverage in DC. ### Uninsured Drivers in DC and Those Traveling From Other States Although it’s a requirement for drivers in DC to have auto insurance coverage, there are still many people who choose to drive without it. In fact, according to a study by the Insurance Research Council, an estimated 12% of drivers in Washington, DC., do not have car insurance. In addition, with DC’s proximity to other states like Maryland and Virginia, there is a high chance of encountering uninsured drivers from these areas. In Maryland, approximately 14% of drivers do not have car insurance, and in Virginia, 10% of drivers do not have car insurance. ### Uninsured Motorist Insurance Coverage Protects You from Financial Loss One of the main reasons to get uninsured and underinsured motorist coverage is to protect yourself from financial loss. Being involved in a car accident with[ an uninsured driver](https://www.chaikinandsherman.com/car-accidents/what-happens-if-someone-hits-you-without-insurance/) can result in expensive medical bills, vehicle repairs, and even lost wages if you are unable to work due to your injuries. Having uninsured motorist insurance coverage can provide the necessary financial protection for you and your family, giving you peace of mind knowing that you are financially covered in case of an accident. #### Protection Against High Medical Costs Being in a car accident can result in serious injuries that require medical attention. Being hit by an uninsured driver means that you’ll have to cover the expenses for your medical bills and any other damages on your own. These medical bills can quickly add up and become a financial burden for you and your family. Having uninsured motorist coverage can provide added protection by covering these costs in the event of an accident with an uninsured driver. This can help ease the financial stress and allow you to focus on recovering from any injuries sustained. #### Coverage for Injuries and Damages Uninsured motorist coverage not only protects you from financial loss but also provides coverage for injuries and damages sustained in an accident. This includes medical expenses, property damage, and even pain and suffering. Without uninsured motorist coverage, you may have to go through a lengthy legal process to try and recover compensation from the uninsured driver. With this type of insurance, you can avoid the hassle and have the peace of mind that you are protected in case of an accident. ### Coverage for Hit-and-Run Accidents In some cases, the driver who caused the accident may flee the scene, leaving you without any way to identify or contact them. This is known as a[ hit-and-run accident](https://www.chaikinandsherman.com/car-accidents/what-to-do-after-a-hit-and-run-accident/), and unfortunately, it’s not uncommon. If you have uninsured motorist coverage in DC, you can still receive compensation for your injuries and damages even if the at-fault driver cannot be identified. This can provide peace of mind, knowing that you have a safety net in these types of situations. ### Protection for Passengers Uninsured motorist coverage not only protects the driver but also extends to[ passengers in the vehicle](https://www.chaikinandsherman.com/car-accidents/injured-as-a-passenger-in-a-car-accident/). If you are involved in an accident as a passenger and the at-fault driver is uninsured, your uninsured motorist coverage can cover your medical expenses and any other damages. This can be especially important for passengers who may not have their own auto insurance. ## How to Get Uninsured Motorist Coverage in DC Uninsured motorist coverage can be added to your existing car insurance policy or purchased as a standalone policy. It’s important to speak with your insurance provider about what options are available and the amount of coverage you should consider based on your needs. ## Types of Uninsured Motorist Insurance There are typically two types of uninsured motorist liability coverage available: ### Uninsured Motorist Bodily Injury (UMBI) Uninsured Motorist Bodily Injury (UMBI) provides coverage for injuries to you and any passengers in your vehicle if you are hit by an uninsured or underinsured driver. It can also cover lost wages and, in some cases, pain and suffering. ### Uninsured Motorist Property Damage (UMPD) Uninsured Motorist Property Damage (UMPD) covers damage to your vehicle if you’re hit by an uninsured driver. However, it’s important to note that in some states, including DC, UMPD coverage does not cover hit-and-run incidents. Both types of coverage are crucial in protecting yourself financially in the event of an accident with an uninsured driver. Speak with your auto insurance provider to learn more about how UMBI and UMPD can benefit you. ## What is the DC Uninsured Motorist Fund? The DC Uninsured Motorist Fund (DC UM Fund) is a government program that provides compensation to individuals who are injured in an accident with an uninsured driver and do not have their own auto insurance or sufficient coverage. If you are involved in an accident with an uninsured driver and do not have your own uninsured motorist coverage, you may be able to receive compensation from the DC UM Fund. However, this fund has limited resources and may not fully cover all of your expenses. ## What Should You Do If You Are In An Accident With An Uninsured or Underinsured Motorist? **Ensure Safety** First and foremost, ensure the safety of all involved. If necessary, move to a safe distance from the traffic and [call for medical help](https://www.chaikinandsherman.com/car-accidents/should-i-go-to-the-hospital-after-a-car-accident/) if anyone is injured. **Notify the Police** Always call the police to report an accident. A [police report](https://www.chaikinandsherman.com/car-accidents/washington-dc-car-accident-report/) can provide valuable evidence if you need to file a claim. **Collect Information** Gather as much information as possible from the other driver, including their name, contact details, and vehicle information. Even if they are uninsured or underinsured, this information can be useful. **Document the Scene** Take photos or videos of the accident scene, including the vehicles involved, any visible injuries, and any other relevant details. This can provide important evidence for your insurance claim. **Contact Your Insurance Provider** Notify your own insurance company as soon as possible. They can guide you through the process of filing an uninsured or underinsured motorist claim. **Seek Legal Advice** Depending on the severity of the accident and the complexity of the situation, you may want to consult with a personal injury lawyer. They can help you understand your rights and the best course of action for your specific situation. ## How Can Our Car Accident Lawyers at Chaikin, Sherman, Cammarata & Siegel P.C. Help? **Case Evaluation: **Our car accident lawyers can provide a free evaluation of your case to [determine if you have a valid claim](https://www.chaikinandsherman.com/do-i-have-a-case/) and understand the extent of your potential compensation. **Claim Filing:** We can assist you in properly filing an underinsured or uninsured motorist claim with your insurance company. **Negotiation:** Our experienced team can negotiate with your insurance company to ensure you receive the maximum compensation you’re entitled to. **Legal Representation:** If necessary, we are prepared to [represent you in court](https://www.chaikinandsherman.com/why-its-important-to-hire-a-trial-attorney/) to fight for your rights and ensure justice is served. **Guidance and Support:** Throughout the entire legal process, our lawyers provide constant guidance and support, ensuring you understand each step and helping to alleviate the stress of the situation. ## We Are Here For You No one should have to deal with uninsured motorist claims alone. Our team of[ experienced car accident lawyers](https://www.chaikinandsherman.com/car-accidents/) is dedicated to advocating for your rights and ensuring you receive the compensation you deserve. At the law firm of Chaikin, Sherman, Cammarata & Siegel P.C., we understand the complexities and challenges of dealing with an accident involving an uninsured or underinsured motorist.[ Contact us](https://www.chaikinandsherman.com/contact-us/) today for a free case evaluation, and let us help you get the compensation you deserve. ## Get free advice about the compensation you deserve. At Chaikin, Sherman, Cammarata & Siegel, P.C., our car accident attorneys fight tirelessly to secure the compensation you deserve, handling every aspect of your case to protect your rights. Trust us to stand by you and advocate aggressively on your behalf. Speak to a Specialist Visit Us in Person 1232 17th St NW Washington, DC 20036 The whistleblower and qui tam attorneys at Chaikin, Sherman, Cammarata & Siegel, P.C. represent individuals who report fraud against the federal government in cases involving [qui tam False Claims Act actions](https://www.chaikinandsherman.com/whistleblower-cases/qui-tam/), [health care fraud](https://www.chaikinandsherman.com/whistleblower-cases/health-care-fraud/), [Medicare and Medicaid fraud](https://www.chaikinandsherman.com/whistleblower-cases/medicare-medicaid-fraud/), [government contractor fraud](https://www.chaikinandsherman.com/whistleblower-cases/government-contractor-fraud/), and [Anti-Kickback Statute violations](https://www.chaikinandsherman.com/whistleblower-cases/anti-kickback-statute/), with full guidance on [whistleblower protections](https://www.chaikinandsherman.com/whistleblower-cases/whistleblower-protections/) and [retaliation claims](https://www.chaikinandsherman.com/whistleblower-cases/can-my-employer-retaliate/) for those considering coming forward. Top 10 Mistakes Made After an Accident Review these common auto accident mistakes to protect your rights. READ OUR E-BOOK Meet Our Team Learn More About Us Ira Sherman Partner Licensed in Washington, D.C., Maryland, and New York With over four decades of courtroom experience, **Ira Sherman** is a powerhouse trial lawyer who has won justice for countless victims of serious injury, discrimination, and medical malpractice. Known for his relentless advocacy, compassion, and proven results, he’s the attorney clients trust when everything is on the line. Ira Sherman's Bio Joseph Cammarata Partner Licensed in Washington, D.C., Maryland, and Virginia A dual board-certified civil trial attorney, **Joseph Cammarata** is nationally recognized for his fierce advocacy, landmark legal victories, and relentless pursuit of justice for victims of serious injury, wrongful death, sexual assault, and civil rights violations. With wins against powerful opponents—including a historic U.S. Supreme Court case securing equal access to justice—he’s the attorney clients trust when they need skill, strength, and results that matter. Joe Cammarata's Bio Allan M. Siegel​ Partner Licensed in Washington, D.C., Maryland, and Virginia **Allan M. Siegel** is a board-certified trial attorney and partner at Chaikin, Sherman, Cammarata & Siegel, P.C., known for securing justice in serious personal injury, brain injury, and wrongful death cases. Recognized as one of Washington’s *Top 100 Super Lawyers®* and a *Best Lawyer®* in America, he combines strategic precision, courtroom skill, and relentless advocacy to win full and fair compensation for his clients. Allan Siegel's Bio Stephen Ollar Partner Licensed in Washington, D.C., Maryland, and Virginia **Stephen Ollar** is an award-winning trial attorney and U.S. Army veteran dedicated to holding negligent individuals and corporations accountable. Recognized as a *Super Lawyers Rising Star* from 2020–2025, he’s known for his tenacity, precision, and unwavering pursuit of justice in personal injury, auto accident, and medical malpractice cases. Stephen Ollar's Bio ## Related Articles Read More Blog Articles Why You Should Have Uninsured Motorist Insurance In DC Why You Should Have Uninsured Motorist Insurance in Maryland Can My Employer Retaliate? Government Contractor Fraud Health Care Fraud Medicare & Medicaid Fraud Whistleblower Protections Anti-Kickback Statute Qui Tam Marriott Faces Massive Class Action Lawsuit Over Data Breach That Exposed Private Information of Millions of Guests Marriott International, one of the world’s leading hotel chain operators, is facing a massive class-action Read More » 02/18/2019 [](https://www.chaikinandsherman.com/blog/2016/09/virginia-appeals-court-upholds-medicaid-fraud-conviction/) Uncategorized Virginia Appeals Court Upholds Medicaid Fraud Conviction A federal appeals court in Virginia recently upheld the Medicaid fraud conviction against the married Read More » 09/27/2016 Can Multiple Whistleblowers File a Single Case? The False Claims Act bars duplicate claims filed based on the same information as previous whistleblower Read More » 07/26/2016 Can a Whistleblower Who Filed Bankruptcy Pursue a False Claims Act Case? Whistleblowers (called “relators” in the False Claims Act) may have difficulty in seeking a qui Read More » 04/01/2016