Virginia Auto Insurance

In Virginia, you have to carry liability coverage.  Many people do not exactly understand how they are covered or what they will do if they find themselves in the position of needing to utilize their insurance. Below are the basic types of car insurance and we will help you obtain the coverage you need for your particular situation. 

  • Collision Coverage – This is the basic insurance type that covers your vehicle if you collide into something. This covers collisions with other cars as well as if you were to run into a wall, barrier or bridge.
  • Comprehensive Coverage – This covers anything that may happen to your car that is not directly related to a collision. This would include things such as theft, fire, hitting a deer or vandalism.
  • Liability Coverage – This type of coverage covers the damages when you are at fault in an accident and you damage someone else’s car or property. Liability coverage is often mandated by law, so it is important that you as the driver make certain you have an adequate amount.
  • Medical Payments – This is also called PIP in some states. Medical payments pay for any injuries to the driver or passengers that occur if an accident occurred while you were driving. Medical payment insurance varies from state to state, so make certain you are covered as expected.

There are many other benefits within your policy that you may not be aware of. For example, with vehicle parts taking longer to come in, we need to make sure your transportation coverage limits will keep you in a rental car until your car is fixed. 

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