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COMMENTARY: One Year Later, Crash Victims Still Wait for Common-Sense Reform

WASHINGTON INFORMER — For years, Washington, D.C., has struggled to make its streets safer. Under “Vision Zero,” Mayor Muriel Bowser pledged to eliminate traffic deaths entirely. Yet year after year, fatalities rose — peaking last year with 52 lives lost, the highest number in decades.

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By Joe Russo
Washington Informer

Nearly a year ago, my predecessor Traci Buschner wrote in these pages urging the D.C. Council to raise the District’s outdated auto insurance minimums. Since then, the case for reform has grown stronger, but the council has failed to deliver.

For years, Washington, D.C., has struggled to make its streets safer. Under “Vision Zero,” Mayor Muriel Bowser pledged to eliminate traffic deaths entirely. Yet year after year, fatalities rose — peaking last year with 52 lives lost, the highest number in decades.

This year has looked different. So far in 2025, 18 people have been killed in crashes — a pace far lower than last year’s staggering toll. That progress deserves recognition. But there is another, less visible story unfolding on our streets: according to the D.C. Department of Transportation, serious injuries involving pedestrians are up compared to last year.

Behind those statistics are neighbors who may never fully recover. Crash victims are living with broken bones, spinal injuries, brain trauma. They’re losing months of work, struggling to care for families, and facing long, uncertain roads of rehabilitation. And too often, when they turn to insurance to help cover medical bills, they discover the minimum required coverage in D.C. hasn’t been updated since 1986.

That’s nearly 40 years ago. Back then, a Metro fare was 80 cents, the average car cost $8,000, and you could buy a home for $90,000. The $25,000 in required coverage seemed adequate then. Today, it’s woefully out of date. Adjusted for inflation, $25,000 in 1986 equals about $75,000 now. But when it comes to health care, costs have ballooned much faster. At an average growth of 4.6% a year, that same $25,000 in medical care in the late ’80s would now cost nearly $200,000. And yet, D.C.’s insurance minimums haven’t budged in nearly four decades.

The consequences are devastating. What begins as a traumatic crash often becomes financial ruin, as victims find themselves saddled with tens of thousands in uncovered costs. The annual economic cost of crashes in D.C. exceeds $830 million, yet insurance companies pay only about half of that total. Families, taxpayers, and local hospitals shoulder the rest.

The council knows this. Last December, Council member Kenyan McDuffie held a hearing on the Motor Vehicle Insurance Modernization Act (B26-0057). Even industry voices admitted the obvious: our insurance laws are outdated. “Things need to change,” acknowledged Tom Glassic of the D.C. Insurance Federation. “I remember 1986 pretty well too. So it’s been a while.”

He’s right. And the council must finish the job.

Other jurisdictions are already ahead of us. Virginia, which only began requiring drivers to carry insurance in 2024, raised its minimums to $50,000 per person starting this year. D.C. should not lag behind when it comes to protecting victims.

Some worry about costs. But analysis of industry data from the National Association of Insurance Commissioners shows raising minimums does not automatically increase premiums. In fact, states that modernized their laws saw slower growth in premiums than the national average. Updating our law will not make insurance unaffordable — but it will make coverage meaningful.

What makes the industry’s scare tactics even more frustrating is that premiums have risen sharply and regularly since 1986 (up 35% from January 2022 to the end of 2024 alone) while the coverage required by law has stayed frozen in time. With each hike, insurers pocket more while delivering less value. The truth is, raising minimums wouldn’t create a new burden for consumers, it would finally ensure families are getting something meaningful in return for the premiums they already pay.

And let’s be clear: This is an equity issue. Serious crashes disproportionately harm residents of Wards 7 and 8 — communities that are majority-Black and lower-income. Leaving insurance coverage stuck at 1986 levels is yet another way we fail to protect those most at risk.

Traffic fatalities may be down this year. But rising injuries are still devastating families. The D.C. Council has studied the problem, held a hearing, and heard from victims, experts, and even insurers. Now, it must act.

It has been nearly a year since The Informer first published our call to modernize auto insurance minimums. The need has only grown clearer since then. It’s time for the council to pass B26-0057 and ensure that when tragedy strikes, crash victims are not left to suffer alone.

Joe Musso is the president of the Trial Lawyers Association of Metropolitan Washington, D.C.

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The hidden risks of poor water management in residential properties

Poor water management in residential properties can result in structural damage, health risks, and long-term financial strain. Water is the most important resource for any country, and having access to clean drinking water should be a right that needs to be preserved. Unfortunately, we are noticing a trend in the US right now where poor water […]

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Poor water management in residential properties can result in structural damage, health risks, and long-term financial strain.

Water is the most important resource for any country, and having access to clean drinking water should be a right that needs to be preserved. Unfortunately, we are noticing a trend in the US right now where poor water management in residential properties is becoming more common. 

It’s not even just access to water that gets affected when residential water management isn’t made a priority. It can result in issues with major leaks and flooding events, which affect the health and safety of residents. 

Gradual Structural Damage

The worst thing about flooding or water leaks is the gradual structural damage that real estate investors have to deal with. Water can seep into materials like:

  • Wood
  • Drywall
  • Concrete

It can do so over time, drop by drop, and eventually cause significant damage to these structures. 

A slow leak behind a wall or under a floor may go unnoticed for months, gradually compromising the integrity of the structure. Over time, this can lead to:

  • Warped floors
  • Cracked foundations
  • Weakened support beams

If you aren’t interested in spending hundreds or thousands of dollars to repair your residential properties, then it’s important to focus on water management in your annual plan. 

Mold and Indoor Air Quality Issues

Excess moisture creates the perfect growing environment for mold. Within 24 to 48 hours, mold can start developing in damp conditions, and it often does so in hidden places like:

  • Behind walls
  • Under carpets
  • Poorly ventilated areas

Mold is a health hazard, especially for the very young and very old, and those who have a compromised immune system. Indoor air quality starts degrading very fast when mold growth happens, which can result in allergies, asthma, and other respiratory conditions. 

Addressing mold problems can be both complicated and expensive, often requiring professional remediation to fully eliminate the issue.

Increased Utility Costs

If you notice that your utility bills have gone up in recent weeks or months, without any corresponding difference in tenants or temperature, it could be due to a water leak. Malfunctioning fixtures can also cause an increase in utility costs. 

Even small, continuous leaks can add up to substantial water loss, making regular inspections and maintenance essential. That’s why paying attention to water management is so crucial for any real estate investor. 

Foundation and Drainage Problems

Proper drainage is crucial to protecting a home’s foundation. Water needs to be directed away from the property, and if not done so, then it can accumulate around the base of a structure. This can lead to soil erosion, foundation cracks, and even basement flooding.

Clogged gutters, improper grading, and inadequate drainage systems are common contributors to these issues. All of these have to be addressed to prevent long-term damage to your foundation and prevent expensive repair bills that eat away at your budget. 

Professional eavestrough installers are necessary to ensure rainwater stays away from your foundation and moves away from the property properly. 

Pest Infestations

No homeowner or investor wants pests in their residential properties. It’s not good for the health of the residents, nor is it good for the reputation of the properties in attracting future tenants. 

Moist environments often attract pests such as:

  • Termites
  • Rodents
  • Insects

Standing water or damp areas provide ideal conditions for these unwanted guests to thrive.

Once pests are established in your property, they will start causing further damage by eating away at certain structures. To get rid of them requires expensive pest control services and takes time. 

Insurance and Financial Implications

Even though insurance does cover certain types of water damage, it doesn’t cover all forms of water damage, and thus, you might end up paying out of pocket in certain cases. 

Damage resulting from neglect or lack of maintenance is often excluded from coverage. That’s why it’s so important to apply water management strategies to all of your residential properties. 

If you wish to sell your property later, then it’s important to be very cognizant of water damage, as buyers will conduct inspections that could alert them to such water damage and prevent your home from selling in the future. 

Frequently Asked Questions

What Are Some Preventive Measures for Water Management?

There are many home safety tips you can follow to ensure your home stays safe from water damage. 

Regularly inspecting plumbing systems, cleaning gutters, and ensuring proper drainage can help identify problems early. Installing moisture detectors, maintaining appliances, and addressing leaks promptly are also effective strategies.

You can also hire a water damage specialist and have them take a look at your home to ensure nothing untoward is going on, especially if you notice a major change in your utility bills. 

How Does Water Damage Interior Spaces?

Water damage can occur without the home dwellers noticing it. In some cases, the water damage to interior spaces is very apparent, as when the ceilings start sagging or the walls and ceilings develop water stains. 

You might also notice the floors rotting or warping. 

In addition to structural concerns, water damage can ruin personal belongings such as:

  • Furniture
  • Electronics
  • Important documents

The emotional and financial cost of replacing these items can be significant.

Nothing good comes out of water damage, but it’s highly preventable if you only take the steps mentioned above. Do not become lazy or complacent in this situation. It could be the difference between saving hundreds of dollars in water damage bills and not. 

Protect Yourself From the Risks of Water Damage

Not everyone places such a priority on water management, and that’s a shame. It’s truly when you are dealing with water damage that you regret this decision. 

Residential water management can save you hundreds or even thousands of dollars in bills in the future. It’s worth the time and resources you place upon it. 

By staying vigilant and adopting proactive maintenance habits, homeowners can protect their properties and protect their investment from degrading into a money-sucking pile of stones. 

Please check out related articles on our website for more interesting articles on a wide variety of subjects. 

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Black Micro-Schools Deserve Recognition: NABML Creates National Standards and Resources

BLACKPRESSUSA NEWSWIRE: Black families are the fastest-growing demographic in alternative education. Discover how the National Association of Black Micro School Leaders is providing educators with resources, training, and certification to launch thriving microschools.

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by Dawn Montgomery
BlackPressUSA Contributor

Public school advocates and politicians typically spearhead the attack on microschools, focusing on their perceived “lack of oversight and public accountability.” Yet Black families are the fastest-growing demographic in alternative education. This shift is driven by the recognition that traditional public education cannot change quickly enough to serve its children’s needs. The National Association of Black Micro-School Leaders is an organization working to counter this narrative and fill a critical gap. Nicole Stewart, the founder, told The Carolinian that “Black families are the fastest-growing group in alternative education, but Black microschool founders have had no national home, no unified voice, no shared resources, and no collective power.”

Nicole Stewart, a former educator with nearly 20 years of experience in public education, retired to start her education consulting company and later opened her own school. That experience led her to discover microschools. Stewart advocates for a balance between joy and rigor in education, designing learning experiences that honor identity, strength, and purpose. She understands that microschools can be tailored to address the specific needs of the families and communities they serve.

The oversight criticism is legitimate. This concern is precisely why NABML is establishing the national benchmark for community-led education. NABML’s certification is that seal of approval, signaling to families, funders, and policymakers that a school is not merely functioning but is outstanding. Additionally, the organization emphasizes the importance of legal structures, fiscal stewardship frameworks, and community involvement as foundational to sustainability and accountability.

NABML realizes this vision via four main support systems:

Community Design Day: NABML facilitates a process in which the neighborhood tells us what its children deserve. You get to explore new learning approaches and define educational priorities for your community. A community task force is then formed to implement these ideas, and NABML supports you along the way. This creates a space where you can be a part of the process as a founding member of a microschool.

Founders Launch Lab: This professional development experience equips Black microschool founders and educational leaders with the training, operational, and strategic skills to launch and sustain thriving schools. Participants gain the business acumen and pedagogical frameworks necessary to navigate the transition from traditional educator roles to entrepreneurial school leaders.

Membership (The Vault): Members gain instant, 24/7 access to proprietary legal templates, student handbook builders, fiscal stewardship frameworks, and zoning blueprints designed specifically for the microschool model. They also join a curated community of mission-aligned founders through monthly “Brilliance Circles” and a private digital forum. Membership unlocks the NABML Fund, a curated capital pool designed specifically for the network, removing a major barrier to school launch and sustainability.

Certification: This is the seal of approval that tells families, funders, and policymakers that your school isn’t just operating; it is also excelling. NABML is currently developing the national benchmark for community-led education, making sure that certified schools meet rigorous standards for student outcomes, community engagement, and fiscal responsibility.

Whether you’re a parent seeking educational alternatives, an educator ready to launch a microschool, or a policymaker committed to expanding equitable education options, NABML invites you to be part of this transformation.

Ready to start or support a microschool? Visit https://nabml.org/ to learn more, access resources, or join the Founders Launch Lab.

Want to invest in Black educational futures? Make a donation at https://secure.qgiv.com/for/naobml/ to support founders in building schools that serve their communities.

Every microschool launched is a community transformed. Every founder supported is a generation of Black children empowered to thrive.

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IN MEMORIAM: Rest in Power — Minnesota Loses a True Warrior in Yusef Mgeni

MINNESOTA SPOKESMAN RECORDER — Yusef Mgeni, a brilliant historian, community organizer, former St. Paul educator and fierce advocate for Black people, died on April 7, 2026, leaving behind a legacy that will echo through generations of Black Minnesota history and community building.

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By MSR News Online

Minnesota and the world lost a powerful voice and a true warrior on April 7, 2026. Yusef Mgeni is gone, but his legacy will echo for generations.

Yusef was a brilliant historian, a community organizer, a former St. Paul educator, and a fierce advocate for Black people. He carried with him an extraordinary archive of speeches, books, articles, and photographs documenting the work of countless Black scholars and leaders. His knowledge was not just deep. It was generational. Talk to him about any subject concerning Black history, and he would give you a dissertation.

His roots in this community ran deeper than most people knew. Yusef was the grandnephew of Fredrick McGhee, the pioneering 20th-century civil rights activist and attorney who made his mark in St. Paul at the turn of the century. That lineage was not lost on Yusef. He carried it forward with pride and purpose, spending decades making sure the stories of Black Minnesotans were told, preserved, and passed on.

As a journalist, Yusef called NAACP leaders and community figures to identify the issues that mattered most to Black people and wrote about them in local newspapers. He was a contributor to the Minnesota Spokesman-Recorder, a platform he understood and respected deeply. As a former St. Paul NAACP vice president, he remained active and engaged well into his retirement, answering emails and voicemails for residents who were at their wits’ end, helping them navigate evictions, legal challenges, and systemic barriers.

“Generally, they contact us when they are at their wits’ end,” he once said. “They are going to get evicted; their car is getting repossessed. We assist in navigating the system.”

His work was always about access. Under his leadership and alongside other NAACP leaders, the St. Paul chapter helped establish a landmark covenant between the police and the St. Paul community in 2001, a model that contributed to dramatically lower excessive-force costs than in Minneapolis in the decade that followed.

Yusef was also a passionate champion of ethnic studies in Minnesota’s schools, understanding that education rooted in Black and Brown history was not a supplement to American history but central to it.

“Ethnic studies is also American history,” he said. “The fact that the legislature and the MDE have both endorsed ethnic studies requirements in schools is a real plus for giving people the opportunity to explore and learn more about American history, and more importantly, to see themselves reflected in that learning.”

In the 1970s and ’80s, Yusef worked alongside Mrs. Clarissa Walker at the Sabathani Community Center, where they poured their energy into uplifting and empowering the community. Their work helped shape the cultural and political landscape of South Minneapolis during a critical era. They were part of a generation that built institutions, nurtured young people, and fought for justice with unwavering commitment.

Yusef also played a key role in the early development of KMOJ Radio, helping to establish a platform that amplified Black voices long before it was common or convenient. His activism extended through education, the St. Paul NAACP, the Million Man March, and the Urban Coalition, always rooted in a deep and abiding love for his people.

He was also an interviewee in the Rondo neighborhood oral history project preserved by the Minnesota Historical Society, ensuring that the voices and stories of that community would never be lost.

Not long ago, a colleague was blessed to sit with Yusef at his home, where he reflected on his life and his legacy. He talked about his work in education, his activism, and his years of service to the community. But what stood out just as much was how he spoke about his family and his people, with warmth, with pride, and with purpose.

Today, we honor him not only for what he accomplished but for the spirit with which he did it.

A scholar. A builder. A warrior. A keeper of our stories.

Thank you, Yusef, for everything you gave and everything you sacrificed on behalf of Black people. Your legacy stands tall, and our community is better because of you.

Rest in Power, Yusef Mgeni.

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