Virginia Car Insurance
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Information about Virgina Car Insurance
Virginia car insurance guards you, your family and anyone you give permission to drive your car, from possible future physical and financial loss. Depending on the types of coverage you purchase, your Virginia car insurance policy can:
- Pay claims for someone you hurt while driving, or whose property you damage through your own negligence
- Pay for your own injuries and damages to your own car
- Pay for medical and funeral expenses
The state of Virginia requires drivers to either purchase Virginia car insurance or pay an uninsured motorist fee of $500 and drive at their own risk. This law is designed to keep those who cannot afford financial liability off the roads completely.
What You Must Carry
Many types of Virginia car insurance are available, but state law requires the following types in these minimum amounts:
- Bodily Injury Liability—$25,000 per person and $50,000 per accident
- Property Damage Liability—$20,000
- Uninsured/Underinsured Motorist—$25,000 per person, $50,000 per accident and $20,000 property damage
The first two types of car insurance cover damage you cause others, their cars and their property when you are at fault in an accident. The third type protects you when you are injured by a driver who has insufficient or non-existing Virginia car insurance coverage.
You should also consider purchasing comprehensive and collision insurance, which pay for physical damage to your car. Comprehensive covers damage due to natural disasters such as hail, fire or theft, whereas collision covers repairs due to accidents with other cars or fixed objects. Talk to a knowledgeable Virginia car insurance agent to determine if you need any of these physical damage coverages for your car.
Maintaining Low Premiums
Acquiring Virginia car insurance coverage can be an expensive proposition. Getting the best coverage at the best price involves knowing and understanding the factors that drive insurance prices upward, and taking steps to ensure these factors do not affect your premium.
Some of the ways to keep your Virginia car insurance premium low include inquiring about discounts, setting your deductible as high as possible, maintaining a good driving record, buying more than one type of policy with the same insurance company, choosing the car you purchase carefully, and maintaining the best credit history possible.
Insurance Shopping Tips
Shopping for Virginia car insurance can be a time-consuming process. But knowing what to look for and what to ask can make that search a much more efficient one. First, find a reliable agent. Look for one who is licensed, knowledgeable and helpful.
Shop carefully. Comparison shop between different agents and policies, obtaining several quotes.
Fill out your application completely and accurately. Misrepresentations and omissions are considered fraud, and can be prosecuted under Virginia state law.
Understand what you are buying. Ask for details and explanations of anything you do not understand. Do not sign anything until you understand the policy completely.
Do not accept high-pressure tactics. Report harassment by insurance companies or agents to the Virginia State Corporation Commission Bureau of Insurance.
Finally, do not be misled by advertising. You are the only one who can determine if a particular insurance policy is the right one for you.
Common Questions
"How can I save money on my Virginia car insurance premium?"
There are several ways to save money on your Virginia car insurance premium:
- Ask your Virginia car insurance agent about any available discounts that might lower your car insurance rate
- Maintain a good driving record to lower your risk rate
- Set deductibles as high as you can possibly afford
- Comparison shop before making your final purchasing decision
"Why do Virginia car insurance companies charge different rates in different geographical areas?"
Virginia car insurance rates are based on average losses for each defined area, the average number of accidents in that area and average repair costs for each area. Therefore, rates can vary greatly according to these factors.
"How much will my car insurance company pay me if my car is damaged?"
In the event of an accident, your Virginia car insurance company is required to pay the amount necessary to restore your car to its original, pre-accident condition.
"Can my insurance company cancel my policy? Why?"
Yes, your Virginia car insurance company can cancel your policy for several reasons. These include failure to make your payment by the due date, excessive claims filing—or excessive accidents or traffic violations, or failure to obtain new car insurance coverage.
Have Further Questions?
We hope this information proves valuable in your quest for Virginia car insurance. If you need further help, please contact the Virginia Bureau of Insurance at 877-310-6560, or online at www.state.va.us/scc/division/boi.
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