If you need car insurance in VA, there are many reputable agencies available that can match you to the best policy that meets your needs. An insurance agent should be able to analyze what exact coverage amounts you need based on the information that you provide. It is much better to be over insured than underinsured. It could be the difference between you being homeless or not one day if you ever have an accident.
In the common wealth of Virginia, the rules and requirements are actually much milder than in other areas of the country. With Car insurance in VA, there is a requirement for insurance but you also have the ability to not have insurance if you want to pay a fee and take full responsibility for yourself and your actions. This is a really bad idea for anyone. The cost of a standard insurance premium depends on your driving record and the vehicle you are insuring of course but on average, it usually no more than 900 to 1000 dollars per year unless you are paying high risk rates. The cost to be able to drive without insurance is 500 dollar fee payable to the DMV. It is not worth the difference of 500 dollars per year to end up in bankruptcy if you ever have an accident and someone sues you.
Everyone that gets auto insurance in VA has a minimum set of standards to go by. Those minimum amounts are twenty thousand for property damage, twenty five thousand for a single person injury and 50 thousand for two or more person injured or dead. Even if you do have this minimum coverage that the state requires, it would not cover you fully if a serious accident occurred. If you had an accident and someone had to have multiple surgeries that cost more than the amounts you are insured for then it would be your responsibility to pay the difference between what the insurance pays and what the actual costs are. With soaring medical costs today, fifty thousand dollars would not even be a drop in the bucket for what some surgeries cost. It’s much better to have as much insurance as you can reasonably afford to protect yourself and your loved ones.
The people that do not comply with the law in Virginia are dealt with accordingly. They are very strict about their standards and if you don’t comply with them you can be jailed, have your license suspended or be subject to hefty fines with no questions asked. They do not tolerate non-compliance where auto insurance is concerned. If you want to better your coverage limits or if you just want to see what other options are available to you at a reasonable price then enter your zip code above to get comparable quotes. It never hurts to check out other companies and make sure you are getting the best deal. It is very possible that you could actually get better coverage amounts for a lesser price than what you currently pay for just the standard minimums.
