Virginia auto Insurance

Insuring your vehicle under maximum coverage makes sense. If you are still paying off or leasing your automobile, you must protect the titleholder, which is the financer or dealer. Even if you own your car or truck, full coverage still makes sense. After all, anything can happen on the road, which is why many drivers secure maximum Virginia auto Insurance coverage.

Collision

You must have collision insurance no matter what. This is what covers the cost to repair or replace your vehicle less your deduction. Depending on your car or truck’s value, you can reduce your collision coverage to help save money on premiums. Don’t go without it, however.

Liability/Property Damage

Should you hit a telephone pole, signal light or other property, you may be held accountable for the damage. In this case, a liability/property damage rider on your auto insurance prevents the injured party, such as the county for example, from coming after you personally.

Medical

This is also the case for medical expenses. Even a minor accident can rake in medical bills. You’ll need to be examined for any underlying injury, you might have to undergo physical therapy, and you may face long-term care if the accident was serious.

Uninsured Motorist

Finally, although required by law many drivers operate vehicles uninsured. Include uninsured motorist with your Virginia auto insurance policy to make certain you and your vehicle are protected in the event of an unfortunate incident. You’ll be covered even if the other driver isn’t.

Crucial Riders in an Automobile Insurance Policy