Affordable Car Insurance Auto Insurance in Virginia - Compare Rates

Drivers of "Old Dominion"! Before you take the roads, ensure that your vehicle is covered by the minimum insurance requirements. Even to purchase license plates you are required to have insurance if not then you are supposed to pay the uninsured motor vehicle fee.

You should keep in mind that Virginia follows a Tort system and the liable person is supposed to be responsible for the damages.

The Commonwealth of Virginia mandates the following minimum:

Bodily Injury Liability Insurance

If you or your family member or anyone driving your car with your permission causes an accident injuring other people, it covers
>> Medical expenses,
>> Lost wages, pain and
>> Suffering and other losses.

The limit in case of Bodily injury/death of one person is $25,000 and Bodily injury/death of two or more persons is $50,000.

Property Damage Liability Insurance

It pays for any damage to the property of others. It covers the same people as covered by Bodily Injury Liability.

The minimum liability for Property damage is $20,000.

Uninsured/Underinsured Motorist Coverage

This cover protects if you are involved in an accident with an uninsured or underinsured driver. It also protects you if you are injured in a hit-and-run case.

This coverage should not exceed your minimum liability limits.

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You can also customize your policy according to your needs. You can take Collision and Comprehensive Coverage for better protection.

>> Collision coverage provides coverage if your car collides with any stationary object or any other automobile.

>> Comprehensive coverage pays for damage to your vehicle from almost all other causes such as fire, vandalism, water, hail, glass breakage, wind, and falling objects.

There are also other options like

Medical Expense Benefits Coverage

It will pay for reasonable medical and funeral expenses for you or others injured or killed in an accident (even if you caused it) while riding or driving in your auto.

Loss of Income Benefits Coverage

It pays you, your family members, or others in your auto for loss of income up to $100 per week for a period not to exceed 52 weeks.

Loss of Use Coverage

You can also buy this coverage to reimburse the expense of paying a rental car agency for the loss of use of its rental car as a result of an accident.

Special Package Auto Policy - Single Limit of Liability

Few companies offer policies that cover bodily injury liability per person, bodily injury liability per accident and property damage liability, but do not have any separate limits for each.

This single limit must be at least $70,000 according to the laws. The uninsured motorist coverage is also provided in every Special Package Auto Policy.

If you cannot get insurance then you should at least pay the uninsured motor vehicle fee of $500. It does not provide you with any insurance coverage and in case of an accident you are still liable. It just permits you to drive an uninsured vehicle at your own risk.

If you are caught without a valid insurance or UMV fee, then your driving privileges can be suspended. You will then have the hassle of paying a $500 statutory fee, file a Financial Responsibility Insurance Certificate (SR-22) with DMV for three years and pay the reinstatement fee of $145.

If you had no "at-fault" accidents or convictions then many companies will offer you Virginia "Safe Driver Plan." This will help you qualify for a lower premium.

Also if you are of 55 years of age or older, the State gives a reduction in premium given that fact that you completed a motor vehicle accident prevention course approved by the DMV. Even if you have not completed the course, you can still ask your insurance company for discounts.

If no insurance company voluntarily insurers you, you may apply through any insurance agent for your coverage. Your application will be processed and assigned to a company by the Virginia Automobile Insurance Plan.

So now that you know all about insurance, go online, obtain quotes from several companies, and decide what suits you the best.

And that's it!

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