Understanding Virginia Auto Insurance

Having auto insurance in Fredericksburg, VA is paramount. Regrettably, many Fredericksburg, VA residents aren’t conversant of the type of insurance they’re buying. Whether you are a seasoned driver driving an old car or a new car owner, you require magnificent auto insurance from Pete Webb Agency to shield you and your expensive asset from imminent perils like accidents and theft. Sometimes landing proper auto insurance might be a daunting task for many Fredericksburg VA drivers, behold are elaborative facts to make a well-guided and informed decision.

Is Auto Insurance Mandatory in Virginia?

Like many states, auto insurance is legally required in Virginia. Car owners are expected to maintain minimum liability coverages in their auto insurance policy. These minimum requirements include bodily injury and property damage liabilities. Hitting the roads of Virginia devoid of these mandated requirements may attract stiff consequences like fines and license suspension.

Auto insurance coverage options in Virginia

Abiding by your state’s required minimums isn’t an indication that you are adequately shielded. Unluckily, serious injury can easily exhaust the set limit per accident if you injure more than one person. It’s pivotal to consider other optional coverages for all-around protection. It includes:

Collision coverage: It pays for repairing or replacing your car after a collision involving another vehicle or stationary objects.

Comprehensive coverage: It provides an additional level of protection propagated by an incident other than collisions such as vandalism, hail, and other prevailing eventualities.

Uninsured and underinsured motorist coverage: If you engage in hit and run situations or engage in a crash with a motorist with no or inadequate coverage, this coverage guarantees protection.

Medical payments coverage: It pays for reasonable and necessary medical costs related to accidents such as surgery and x-rays if you, your passengers, or your family members are injured in an accident.

Factors affecting auto insurance premium payment

Vehicle model, driving history, and past claims are considered when computing your premium payment for auto insurance. Other factors include:

  • Occupation
  • Marital status
  • Location
  • Age
  • Credit rating

Accidents do happen, and they are unpredictable. It’s wise to procure a good auto insurance policy to protect you and your car in Fredericksburg, VA. Don’t hesitate to contact us at Pete Webb Agency for all your insurance needs.