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ENROLLED ORIGINAL
AN ACT
D.C. ACT 26-358
IN THE COUNCIL OF THE DISTRICT OF COLUMBIA
SULY 2, 2026
To amend theCompulsory/No-FaultMotor VehicleInsuranceAct of 1982 toincreasethe
mandatoryminimum privatepassengermotorvehicleinsurancerequirementsfor
propertydamageliabilityandthird-partyliabilitycoverage,torequireinsurerstoprovide
enhancedunderinsuredprivatepassengermotorvehiclecoverageunderapassenger
vehicleliabilityinsurancepolicy,andtoincreasethemandatoryminimumprivatepassengermotorvehicleinsurancerequirementsforpropertydamageliability,third-partyliability,underinsuredmotor vehicleand enhanced underinsuredmotor vehiclecoverage
byassetincrementbeginningonJanuary1,2037,andonJanuaryIstofevery10years
afterJanuary1,2037.
BE IT ENACTED BY THE COUNCIL OF THE DISTRICT OF COUMBIA, That this
actmay be citedas the“Motor VehicleInsuranceModernizationAmendment Act of 2026”.
Sec.2. The Compulsory/No-FaultMotor VehicleInsuranceAct of 1982,effective
September 18,1982 (D.C. Law 4-155;D.C, OfficialCode § 31-2401 efseq.),isamended as
follows:
(a)Section7(D.C.Code§31-2406)isamendedasfollows:
(1)Subsection(a)(1)(D)isamendedbystrikingthephrase“and(iii)uninsured
motoristprotection.Inaddition,each insurershallofferoptionalpersonalinjuryprotection
insurancerequiredby section5 and underinsuredmotor vehiclecoverageasrequiredby this
section”andinsertingthephrase“(iii)enhancedprivatepassengerunderinsuredmotorist
protectionor underinsuredprivatepassengermotoristprotection;and (iv)uninsuredprivate
passengermotoristprotection.Inaddition,eachinsurershallofferoptionalpersonalinjury
protectioninsurancerequiredby section5” initsplace.
(2)Subsection(b)isamendedbystrikingthephrase“$10,000forproperty
damageinany1accident”andinsertingthephrase“$20,000forpropertydamageinanyone
accident”initsplace.
(3)Subsection(c)isamendedbystrikingthephrase“be$25,000perperson
injuredinany 1 accidentand $50,000forallpersonsinjuredinany | accident”and insertingthe
ENROLLED ORIGINAL
phrase“be$50,000perpersoninjuredinanyoneaccidentand$100,000forallpersonsinjuredinanyoneaccident”initsplace.(4)Subsection (c-1)isamended as follows:
(A)Strikethephrase“,exceptfortheoperationofmotorcyclesandmotor-
drivencycles,optionalunderinsuredmotor”andinsertthephrase“underinsuredmotor”initsplace. (B)Strikethephrase“.Theinsurershallnotberequiredtoobtainormaintainwrittenrejectionsoftheunderinsuredmotorvehiclecoverage.”andinsertaperiodinitsplace.
(©)Strikethephrase“Insurancethatincludesunderinsuredmotorvehiclecoveragemayincludetermsandconditionsthatprecludestackingofunderinsuredmotorvehiclecoverage.”andinsertthephrase“Insurancethatincludesonlyunderinsuredmotorvehiclecoverage,andnotenhancedunderinsuredmotorvehiclecoverage,mayincludetermsandconditionsthatprecludestackingofunderinsuredmotorvehiclecoverage.”initsplace.(5)Subsection(f)isamendedasfollows:
(A)Paragraph(2)isamendedbystrikingthephrase“amountsof$25,000perpersoninjuredinany1accident,or$50,000forallpersonsinjuredinany1accident,andcoverageforpropertydamageinanamountof$5,000forpropertydamageinany1accident”andinsertingthephrase“amountsof$50,000perpersoninjuredinanyoneaccident,or$100,000forallpersonsinjuredinanyoneaccident,andcoverageforpropertydamageinanamountof$20,000forpropertydamageinanyoneaccident”initsplace.(B)Paragraph(4)isamendedbystrikingthephrase“inany1accident”
bothtimesitappearsandinsertingthephrase“inanyoneaccident”initsplace.(6)A newsubsection(f-1)isaddedtoreadasfollows:
“(E-1)Enhancedunderinsuredmotoristprotection.“(1)Enhancedunderinsuredmotoristprotectionisfortheprotectionofaninsuredwhoislegallyentitledtorecoverdamagesfromtheowneroroperatorofanunderinsuredmotorvehicle.
“(2)(A)Thelimitofliabilityforaninsurerthatprovidesenhancedunderinsuredmotorvehiclecoverageistheamountofthatcoveragewithoutanyreductionfortheamountpaidtotheinsured,thatexhaustsanyapplicableliabilityinsurancepolicies,bonds,andsecuritiesonbehalfofanypersonthatmaybeheldliableforthebodilyinjuriesordeathoftheinsured.“(B)A policyprovidingexcesscoveragemayincludeenhancedunderinsuredmotorvehiclecoverage,inanamountequaltobutnotgreaterthantheexcess
coverageinthepolicy.A policythat,asitsprimarypurpose,providescoverageinexcessofothervalidandcollectibleinsuranceorqualifiedself-insurancemayincludetheenhanced
underinsuredmotorvehiclecoverage.“(C)Aninsuredmaynothaveenhancedunderinsuredmotoristprotectionandunderinsuredmotoristprotectioncoveragesimultaneously.
2
ENROLLED ORIGINAL
“(D) An insuredmay waive enhanced underinsuredmotoristprotection
coverageindividuallyorcollectively.
“(3)(A)Unlesswaived inaccordancewiththissubsection,each insurerselling
motorvehicleinsuranceintheDistrictwithrespecttoanymotorvehicleregisteredorprincipally
garagedintheDistrictshallincludecoverageforenhancedunderinsuredmotorvehicle
insurance.
“(B)Theamountofenhancedunderinsuredmotoristcoverageprovided
underaprivatepassengermotorvehicleliabilityinsurancepolicyshallnotexceedtheamountof
uninsuredmotoristcoverageprovidedunderthepolicy.
“(C)Suchpolicyshallcontaincoveragefordamages,subjecttothepolicy
limits,that:
“(iTheinsuredisentitledtorecoverfromtheowneroroperatorof
an underinsuredmotor vehiclebecauseof bodilyinjuriessustainedina motor vehicleaccident
arisingoutoftheownership,maintenance,oruseoftheunderinsuredmotorvehicle;and
“(ii)A survivoroftheinsuredisentitledtorecoverfromtheowner
or operatorofan underinsuredmotor vehiclebecausetheinsureddiedas theresultofa motor
vehicleaccidentarisingout of theownership,maintenance,or use of theunderinsuredmotor
vehicle.
“(D)Aninsurermayexcludefromtheenhancedunderinsuredmotorvehiclecoveragebenefits:
“(i)The named insuredor a familymember of the named insured
who residesinthenamed insureds householdforan injurythatoccurswhen thenamed insured
orfamilymemberisoccupyingorisstruckasapedestrianbyanunderinsuredmotorvehiclethat
isownedbythenamedinsuredoranimmediatefamilymemberofthenamedinsuredwho
residesinthenamed insured’shousehold;and
“Gi)The named insured,a familymember ofthe named insured
who residesinthenamed insured’shousehold,and any otherindividualwho has otherapplicable
motorvehicleinsuranceforaninjurythatoccurswhenthenamedinsured,familymember,or
otherindividualisoccupyingorisstuckasapedestrianbytheinsuredmotorvehiclewhilethe
motor vehicleisoperatedor used by an individualwho isexcludedfrom coverageunder District
law.
“(4)(A)Ifthefirstnamedinsureddoesnotwishtoobtaintheenhanced
underinsuredmotoristcoverageunder thissection,thefirstnamed insuredshallmake an
affirmativewrittenstatementwaivingthecoverage,asprovidedbythisparagraph.
“(B) A waivermade underthissubsectionshallnotbe effectiveunless
waiverismade aftertheinsurerprovidesthefirstnamed insuredwrittennoticeof thenature,
extent,benefit,and costof theleveloftheenhanced underinsuredmotoristcoveragebeing
waived.
“(C) A waiver made underthissubsectionshallbe made on a form thatthe
Commissioner requires.The form:
ENROLLED ORIGINAL
“()Maybepartoftheinsurancecontract;
“(ii)Shallclearlyexplainthatifthe firstnamed insuredchoosesto
waiveenhancedunderinsuredmotoristcoverage,thefirstnamed insuredshallhavetheoptionto
selecttraditionalunderinsuredmotoristcoverageor no underinsuredmotoristcoverage;and
(iii)Shallclearlyandconciselyexplaininatleast12-point
boldfacetype:
“()Thenature,extent,benefit,andcostofthelevelofthe
enhancedunderinsuredmotoristcoveragethatwould be providedunderthepolicyifnotwaived
bythefirstnamedinsured;
“(I1)Thatafailureofthefirstnamedinsuredtomakea
waiverrequirestheinsurertoprovideenhancedunderinsuredmotoristcoverage;
“(il)Thattheinsurermaynotrefusetounderwritea
personbecausethepersonrefusestowaivetheenhancedunderinsuredmotoristcoverageunder
thissubsection;and
“(LV)Thatawaivermade underthissubsectionmustbean
affirmativewrittenwaiver.
“(D)Electroniccommunicationsatisfyingtherequirementsofthis,
subsectionshallbe an acceptableformofwritten waiver.
“(5)Ifthefirstnamedinsureddoesnotmakeanaffirmativewrittenstatement
waivingtheenhancedunderinsuredmotoristcoverage,theinsurershallprovidethecoverage
underthissection.
“(6)Unlessthefirstnamedinsuredaffirmativelymakesachangeinwriting,the
electionnottowaiveenhancedunderinsuredmotoristcoverageappliestoallsubsequent
renewalsofcoverageandtoallotherpoliciesorendorsementsthatextend,change,supersede,or
replaceanexistingprivatepassengermotorvehicleinsurancepolicyissuedtothefirstnamed
insured.At thefirst,and each subsequent,insurancerenewalfollowingtheapplicabilitydateof
theMotor VehicleInsuranceModernizationAmendment Act of 2026,passedon 2nd readingon
June2,2026(EnrolledversionofBill26-57),aninsurershallincludeontheformrequired
pursuanttoparagraph(4)ofthissubsectio:
“(A)Applicablewaiveroptionsforaninsuredwhodoesnotchooseto
maintainenhanced underinsuredmotoristcoverage;and
“(B)Theoptiontoaddorreinstateenhancedunderinsuredmotoristor
traditionalunderinsuredmotoristcoverageforaninsuredwhohaspreviouslywaivedit.
“(7)A provisioninapassengermotorvehicleliabilityinsurancepolicyissuedon
oraftertheapplicabilitydateof theMotor VehicleInsuranceModernizationAmendment Act of
2026,passedon 2nd readingon June 2,2026 (Enrolledversionof Bill 26-57),aboutcoveragefor
damages sustainedby theinsuredas a resultofthe operationof an underinsuredmotor vehicle
thatrequiresa disputebetween theinsuredand theinsurertobe submittedtobindingarbitration
isprohibited.
ENROLLED ORIGINAL
“(8)Subsection(f)(5)and(6)ofthissectionshallapplytopersonswhoare
insurersand theinsuredunderthissubsection.”.
(7)New subsections(i),(j),and(k)areaddedtoreadasfollows:
“()(1)BeginningonJanuary1,2037,andonJanuary1stofevery10yearsafterJanuary
1,2037,theamounts providedinsubsections(c)and (f)ofthis sectionshal!increaseas follows:
“(A)Theamountperpersoninjuredinanyoneaccidentshallincreaseby
$5,000;
“(B)Theamountforallpersonsinjuredinanyoneaccidentshallincrease
by$10,000;and
“(C)Theamountofcoverageforpropertydamageinanyoneaccident
shallincreaseby $2,000.
“(2)Theamountsdescribedinsubparagraphs(A),(B),and(C)ofparagraph(1)
shallapplytocausesofactionarisingbetweenJanuaryIstontheyearoftheincreaseand
December 31stof theyearpriortothenextincrease.
“@)TheCommissionershallpublishnoticeofanyincreaseundersubsection(i)ofthis
sectionon theDepartment’swebsiteand intheDistrictof Columbia Registeratleast12 months
priorto theeffectivedateofany such increase.
“()Study.—
“(1)The Commissioner shallconducta studyon theimpacttoconsumers of the
provisionsof theMotor VehicleInsuranceModernizationAmendment Act of 2026, passedon
2nd readingon June 2,2026 (EnrolledversionofBill 26-57).
“(2)Thestudyshallinclude:
“(A) An analysisofthe impacton premiums of theincreaseoffinancial
responsibilitylimitsfrom $25,000,$50,000,and $10,000to $50,000,$100,000,and $20,000,
respectively,andfromtheofferingofenhancedunderinsuredmotoristcoverageasadefault
selectionforcoverage;
“(B)Totheextentinformationisavailable,ananalysisoftheimpactof
theincreaseinfinancialresponsibilitylimitsand theofferingofenhanced underinsuredmotorist
coverageasadefaultoptiononcompensationfordamagesresultingfrommotorvehicle
accidents,includingtheimpactonout-of-pocketcostsincurredbyinsuredsfordamages
exceedingpolicylimits;
“(C)Totheextentinformationisavailable,ananalysisoftheimpacton
theDistrict’suninsuredmotoristpopulationfromtheincreaseinfinancialresponsibilitylimits
from $25,000,$50,000,and $10,000 to$50,000,$100,000,and $20,000,respectively,and from
theofferingofenhancedunderinsuredmotoristcoverageasadefaultselectionforcoverage;and
“(D)Anyotherrelevantmatterrelatingtotheincreaseinminimum
financialresponsibilitylimitsandtheofferingofenhancedunderinsuredmotoristcoverageby
privatepassengermotorvehicleliabilityinsurers.
ENROLLED ORIGINAL
“(3\(A)OnorbeforeDecember31,2030,theCommissionershallsubmitaninterimreporttotheCouncilthatincludesinitialfindingsandrecommendationsfromthestudyrequiredunderthissubsection.“(B)OnorbeforeDecember31,2032,theCommissionershallsubmitafinalreporttotheCouncilthatincludesthefindingsandrecommendationsfromthestudyrequiredunderthissubsection.ThefinalreportshallincludearecommendationonCouncilactionwithrespecttosubsections(i)and(j)ofthissection.”.(b)Section12(D.C.OfficialCode§31-2411),isamendedbyaddinganewsubsection(e-1)toreadasfollows:
“(e-1)Priorityofcoverageforrentedmotorvehicles.—“(1)Foramotorvehiclerentedpursuanttoawrittenrentalagreement,any validandcollectiblemotorvehicleliabilityinsurance,self-insurance,orotherfinancialresponsibilitycoverageavailabletotherenterorauthorizeddrivershallbeprimaryforclaimsarisingoutoftheuse,operation,orpossessionoftherentedmotorvehicleduringtherentalperiod.
“(2)Anymotorvehicleliabilityinsurance,self-insurance,orotherfinancialresponsibilitycoveragemaintainedbytherentalcompanyoritsaffiliateshallbesecondaryorexcesstothecoveragedescribedinparagraph(1)ofthissubsection,unlesstherentalcompanyexpresslyagreesinwritingtoprovideprimarycoverage.
“(3)Nothinginthissubsectionrelievesarentalcompanyfrommaintaininginsurance,self-insurance,orproofoffinancialresponsibilityrequiredbyDistrictlaw.
“(4)Nothinginthissubsectionlimitsliabilityarisingfromtherentalcompany’sownnegligence,criminalwrongdoing,negligententrustment,failuretomaintainrequiredinsurance,orotherindependentactoromission.
“*(5)Thissubsectionshallbeconstruedconsistentlywith49U.S.C.§30106.”.
Sec.3.Applicability.ThisactshallapplyasofOctober1,2027.
Sec.4.Fiscalimpactstatement.
‘TheCounciladoptsthefiscalimpactstatementinthecommitteereportasthefiscal
impactstatementrequiredbysection4aoftheGeneralLegislativeProceduresActof1975,
approvedOctober 16,2006 (120 Stat.2038; D.C. OfficialCode § 1-301.47a).
Sec.5.Effectivedate.
ThisactshalltakeeffectfollowingapprovalbytheMayor(orintheeventofvetobythe
Mayor,actionbytheCounciltooverridetheveto)anda30-dayperiodofCongressionalreview
ENROLLED ORIGINAL
asprovidedinsection602(c)(1)oftheDistrictofColumbiaHomeRuleAct,approvedDecember24,1973(87Stat.813;D.C.OfficialCode§1-206.02(c)(1))..
Ld DaweChairman
Councilofthe Districtof Columbia
UNSIGNED
MayorDistrictof ColumbiaJUNE 24, 2026
COUNCILOF THEDISTRICTOF COLUMBIA,
WASHINGTON,DC,20004
DocketNo.826-0057
[1;TEMONCONSENTCALENDAR
[XJACTION FirstReading
{X)VOTEDATE May5,2026 |
[x1VOICEVOTE, ‘Approved |
RECORDEDVOTEONREQUEST T.White
ABSENT
[JROLLCALLVOTEResult
‘CounciiMember[Aye[Nay[NV[AB[Rec[CouncMember[Aye|Nay|NV[AB|Rec|CouncilMember[aye|Nay|NVAB [Rec
ChairmanMendelson)X Frumin x Pinto x
Allen x Henderson x R.White
Bonds x LewisGeorge| X T.White x
Crawford x Nadeau x
Felder x Parker x
X-IndicateVote ‘AB—Absent NV--Present,NotVoting Rec-Recused
CERTIFICATIONRECORD
‘SecretarytotheCouncit
DocketNo.826.0057,
[]TEMONCONSENTCALENDAR:
[XTACTION FinalReading
[DXIVOTEDATE June2,2026
{X]VOICEVOTE Approved
RECORDEDVOTEONREQUEST 7.White
ABSENT
[}ROLLCALLVOTE~Result
[CounciliMember__[Aye[Nay|NV[AB[Rec[CouncilMember[Aye|Nay|NV[AB[Rac|CounciMember[Aye[Nay|NV[AB[Reo
ChairmanMendelson]x Frumin x Pinto x
‘Allen x Hendersonx R.White x
Bonds x LewisGeorge_| T.white x
Crawford x Nadeau x
Felder x Patker x
X=IndicateVoto ABAbsent NV-Present,NotVoting Rec-Recused CERTPICATIONRECORDSertr0 be2timo