Nobody ever expects to get into an accident. It is good to know that you are fully covered if you do. Always be sure your coverage meets both your individual needs and your state's minimum requirements.
Know Before You Go
Minimum Requirements in VA
The state of Virginia requires you to maintain a specific amount of coverage on your automobiles. Though, for many, it is wise to carry more than the minimum required amount.
For liability only policies, the legal minimums in Virginia are as follows:
$30,000 bodily injury per person
$60,000 bodily injury per accident
$20,000 property damage
If you do not maintain these coverages you will be required to pay a $500 uninsured motorist fee to the DMV upon each registration renewal. This fee does not provide any protection, but allows you to operate an uninsured vehicle at your own risk.
* For TN state minimums, speak with one of our licensed professionals.
Determining the Best Coverage
Understanding what each specific auto insurance component covers will help you make the best choices for your personal coverage.
Liability only coverage is comprised of bodily injury liability and property damage liability. It does not protect you or your property, but covers the other party if you cause an incident.
Uninsured and underinsured motorist coverage is used when you are hit by a driver who either does not have any coverage, or their coverage is not sufficient to pay for the damages that occurred. This coverage can help cover medical bills and/or repairs to your vehicle.
Comprehensive coverage is coverage for non-accident related damages. This can include hail, vandalism, fire, or another covered peril. A deductible applies when using this coverage, but it can help to pay for repairs or to replace your vehicle (up to its current fair market value).
Collision coverage is for incidents that involve another vehicle, or if you hit an object such as a guardrail or structure. This coverage will typically be required if your vehicle is financed or leased, and can help pay to repair or replace your car, truck, or motorcycle (at current fair market value).
Medical payments coverage is just what its name suggests. If you or your passengers are injured in the insured vehicle during an accident, this coverage may help. It may cover hospital visits, x-rays, surgery, etc. that result from the incident.
Other Optional Coverages
While the coverages listed below fall outside of the main auto categories, many drivers find them quite useful.
Rental reimbursement coverage
New car replacement coverage
Towing and labor cost coverage
Classic car insurance
Emergency Roadside assistance
We can help you understand what each category covers, and make sure you have a policy tailored to fit your needs.