Getting Full Protection: Your Guide To Virginia Auto Insurance
Virginias minimum required insurance coverage offers you only very basic liability coverage while paying the states uninsured motorist fee offers you no protection other than the ability to escape an uninsured motorist ticket. For the vast majority of Virginia drivers, this is simply not enough protection.
It is in your best interests to obtain additional insurance coverage that goes well beyond the states minimum requirements. The Virginia Bureau of Insurance recommends that drivers review their individual circumstances and obtain additional insurance coverage to provide true protection.
Three common types of insurance that you are not required to buy under Virginia law but should strongly consider purchasing are:
Virginias Minimum Insurance Requirements
Under Virginia law, drivers must obtain the minimum required auto insurance coverage or pay an uninsured motorist fee. If you choose to obtain the minimum required insurance coverage, then you must have at least:
- $25,000 in coverage for bodily injury
- $50,000 in coverage for bodily injury
- $20,000 in coverage for property damage.
The minimum insurance coverage listed above is liability coverage. This type of coverage will apply only to the damages that you cause another party to suffer in cases where you were at fault for an accident. If you obtain the minimum mandated insurance coverage, you will have no insurance protection for yourself, your family or your vehicle.
Virginia is unique among American states in that you can legally avoid obtaining any liability insurance if you pay the states $500 uninsured motorist fee. However, this fee offers you no insurance protection at all.
The only benefit is that it gives you the legal ability to drive on Virginia public roads without being subject to fines or penalties for failing to carry insurance coverage. If you are at fault for an accident, you will be personally responsible for any damage to the person or property that results from your negligence.
Our Involvement With The Richmond Community
A major part of our firms philosophy is to go beyond our law practice in serving our community. We are actively involved in a variety of civic, charitable and educational activities in Richmond, including:
- ¿Que Pasa? Festival We are sponsors of this annual event organized by the Virginia Hispanic Chamber of Commerce, which is held at the historic Canal Walk.
- WE CARE Festival We are also sponsors of this event, which brings together community organizations, churches and businesses to promote wellness education and community involvement.
For many years, Marks & Harrison, visited local high schools to present a drinking and driving safety program, Make it Home. We now offer e-books that are aimed at educating teens about the risks of texting while driving.
Additionally, our entire law firm enthusiastically participates in our Casual for a Cause program, which allows employees to come to work in casual attire in exchange for making donations. During the holidays, we use those funds to adopt Salvation Army Angels and purchase food, toys, clothing and other items for deserving families throughout the Richmond area.
Also Check: Average Attorney Fee For Personal Injury
Tip Looking For A Service That Is Not Available In Your Area
More and more services are available to individuals anywhere in the state virtually or though telehealth. Be sure to search statewide service as the category to view these options.
The Brain Injury Association of Virginia Resource Directory is an informational service. The individuals, groups and programs listed have represented themselves as credentialed in the professions noted. This list is for informational purposes only and does not imply an endorsement. BIAV makes all efforts to provide the most up to date information.
Search our database for support groups, therapists, rehabilitation providers, attorneys and more. You can search by keyword, category, and/or address. Move the red radius button to determine the distance you want searched. Then click the “Search” button. You can also print and bookmark your searches or save them as a pdf. Need help? Email us ator use the chat feature.
Frequently Asked Questions Regarding Bryan Meadows
Bryan Meadows is a Personal Injury Attorney at Marks & Harrison based in Richmond, Virginia.Previously, Bryan was a Roanoke Geico Staff Counsel at GEICO.Bryan received a law degree degree from Dickinson School of Law at Pennsylvania State University…. Read More
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Search our database for support groups, therapists, rehabilitation providers, attorneys and more. You can search by keyword, category, and/or address. Move the red radius button to determine the distance you want searched. Then click the “Search” button. You can also print and bookmark your searches or save them as a pdf. Need help? Email us ator use the chat feature.
Richmond Va Attorneys Near You
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Average experience reflects the average number of years that the attorneys at this firm have been licensed to practice law. The experience is based on data from the respective state bar association, where this information is available.
Read Also: How Much Compensation Do You Get For Traumatic Brain Injury
Were You Injured In A Car Accident In Virginia
At Marks & Harrison, our Virginia car accident lawyers have helped hundreds of victims obtain fair compensation for their injuries and losses. Let us help you too. Our personal injury lawyers are among the best in Richmond.
We handle car accident claims from our main office in Richmond and from our eight offices located throughout the state. To learn more about what our team can do for you, contact us today for your free case evaluation.
Insurance Tip: Watch Your Deductibles And Policy Limits
When you look for auto insurance coverage to purchase, you should always keep a close eye on the deductible and the policy limit. You will want to make sure that the deductible is not too high. However, at the same time, you want to make sure that the policy limit offers you true protection.
A car insurance deductible is simply the amount that you will be required to pay before the insurance company picks up the rest of the costs. For example, if you sustained $5,000 in damage to your vehicle, and your collision insurance policy has a $1,000 deductible, you will be required to pay $1,000 out of pocket for your repairs.
Your policy limit is the maximum amount of money that your insurance company will payout. After you hit the policy limit, you will need to look elsewhere to cover the remainder of the costs. If you obtain insufficient insurance coverage, you could be stuck bearing the costs of your own car crash injuries.
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