Washington DC has its own laws governing insurance and negligence. It is a no-fault insurance jurisdiction, which means that even if another driver is at fault for the car accident that caused your injuries, you must use your own insurance company to cover damages such as medical expenses and lost wages. For 60 days after the accident, there is a period in which you can choose to exercise your no-fault option or bring a claim against the other driver. To do this, your medical costs must be greater than the personal injury protection provided by your insurance policy, and your injuries must be significant. Permanent disabilities, scarring, and disabilities that last at least six months are considered significant impairments.