Know about the Auto Insurance coverage in Virginia

by George Willis Insurance Agency

Do you want to grab more information about auto insurance coverage in Virginia? Want to know the auto insurance law in Virginia? If yes, then read this blog. A car or truck is one of the biggest assets aside from your house. Auto insurance is important that prevent you from potentially heavy financial losses and the inconvenience of being without transportation. If you are also planning to buy auto insurance then you should first get the auto insurance quotes Virginia from different insurance companies and compare them to get the best deal.

 

Car Insurance laws in Virginia

 

If you are also planning to buy car insurance in Virginia then you should know about its key requirements:-

• Minimum coverage:- Drivers in Virginia must carry minimum insurance coverage that includes 25/50/20 liability coverage.
• Uninsured vehicle law:- In Virginia drivers can operate their vehicle at their own risk in absence of car insurance. But, a driver needs to pay a fee to Virginia DMV which will get expired when their vehicle registration is up for renewal.
• Proof of Insurance:- Drivers are required to carry proof of insurance in their vehicle and provide the documentation when it is requested by law enforcement.  
• Insurance verification:- It is insurance companies' responsibility to notify DMV when the policy is opened or canceled for a registered vehicle in the state. If DMV doesn’t find any record for a registered vehicle that doesn’t have insurance then the owner will be notified and provide proof of coverage.

 

Liability Insurance in Virginia 

 

According to the Virginia insurance law, it shows that all drivers should carry minimum coverage car insurance unless they have not paid for uninsured vehicle fees. Virginia minimum car insurance covers only liability coverage. The amount of coverage required:-

• Bodily injury liability coverage for per person $25,000
• Bodily injury liability coverage for per accident $50,000
• Property damage liability coverage per accident $20,000

 

It is considered the cheapest insurance in Virginia. But, insurance companies will recommend you to get more coverage which is required. You can’t assume that Virginia’s minimum insurance requirements will cover the full cost of an accident. A driver should understand that minimum coverage insurance will not provide protection for their own vehicle. In case you lose control of the vehicle and it gets slammed into a tree then the damage will not be covered. In this case, you would be financially responsible for all losses. 

 

Additional Auto Insurance coverage options

 

Many drivers prefer to purchase additional car insurance in Virginia to get more protection. Some of the common add-on policies in Virginia include:-

• Collision Insurance: - This insurance will cover vehicle repair after an accident or in case your car get hit a stationary object.
• Comprehensive insurance:- It cover for the vehicle damage caused due to any event other than an accident like theft, flood damage, etc. 
• Roadside assistance:- It is a popular insurance add-on cover that pays for vehicle repair, towing, battery services, etc. Most auto insurance company Virginia provides this endorsement. 
• Rental car reimbursement:- If your personal vehicle needs to get repaired after a covered claim then rental car reimbursement is an ideal option. Many insurance companies include this coverage with your full coverage insurance. 

 

If you are looking auto insurance company in Virginia then you should approach the trusted insurance agent that helps you in finding the right insurance according to your needs. The Insurance Piggy Bank is one such independent agency that is associated with multiple insurance companies and helps you in finding the best auto insurance within your budget. They will explain the policies and recommend the best one that works well with your key needs. Whether you need auto insurance quotes Texas or Auto insurance Quotes Virginia, an Insurance Piggy Bank agent can help you.

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Created on Aug 19th 2021 02:59. Viewed 291 times.

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