Virginia Car Insurance (VA)

There is an enormous network of young, smart, high-speed young people working in the capital city and living in Northern Virginia.  There is another crop working in the Richmond area and then there's the entire tech oriented, turbo-charged herd in the Dulles corridor.  Virginia is full of talented up-and-coming professionals living life as fast as they can, including in their cars. Whether you are a resident or a visitor, it is important that you understand the insurance protection that is required of you and your fellow drivers.

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Minimum Car Insurance Requirements in Virginia (VA)

The minimum coverage in Virginia for car insurance is $25,000 in bodily injury liability for an individual and $50,000 for the entire accident.  In addition, you must carry a minimum of $10,000 in liability coverage for property damage.  All of that coverage is for the other car and the other driver, if you are at fault in the accident.

Additional Car Insurance Coverage Options in Virginia

Optional insurance coverage is available to protect you and your property. Collision and comprehensive insurance will pay for damage to your car. Collision will cover repair costs from an accident, after you pay a deductible. Comprehensive pays for non-accident related damage such as from fire, theft, vandalism or storms – also after the insured party pays a deductible. If you have taken out a loan to buy the car, the lender will probably require this coverage.

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Medical payments insurance is another option that provides an important layer of protection. This portion of your car insurance policy pays for injury-related costs incurred by you and your passengers, regardless of who is at fault. At times, this coverage can overlap other components of your policy; however there are instances where it might be an important resource. Some medical payments insurance coverage will include such things as wage loss compensation, rehabilitation costs, or in-home care.

Virginia’s statutory requirements are a good start, but the liability coverage that is required does not provide the personal protection you may want to have. Take a thorough look at the best way to protect you, your car and your passengers, according to your unique financial situation. Also, be sure to ask about any insurance discounts that may be available.

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