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How To Avail Minimum Auto Insurance Coverage In VA For Motorcycle Owners

The lure of riding a motorcycle on the open road is strong especially on a sunny spring day with a slight breeze.  Operation of the motorcycle is a special challenge for the driver since hands, legs, and sometimes the whole body is required to steer and balance the vehicle. Owners of motorcycles in Virginia must attend to the practical details of maintenance, special licensing and obtaining appropriate state minimum coverage insurance. The required license level in Virginia to operate a motorcycle is a Class M designation.

One of the most common reasons that a motorcycle owner does not have appropriate insurance is because the owner believes that the bike is covered under some other Auto insurance policy in VA. For example, a young man may have a car which has been included for years on his parent’s policy and be unaware that the parent did not add the motorcycle to the coverage as well.  A biker may feel that if he has insurance coverage for his own car that any additional ‘smaller’ vehicles will be covered automatically or he may have come into Virginia from another state and not registered the vehicle after the relocation. Finally, the issue of cost for the insurance might be low priority on the owner’s list of financial needs. None of these situations would be a defense to citations and suspensions resulting from failure to have state minimum coverage if the license plate were checked or there was a collision.

State minimum auto insurance coverage in Virginia requires that a company licensed to do business issue a policy which covers at least  $25,000 for Death or bodily injury to one person;  $50,000 for Death or bodily injury to more than one person;  and $20,000 for Damage to property $20,000 other than that belonging to the vehicle owner. Many credible companies provide policies which are cheap and readily available.

Other concerns should be addressed by the motorcyclist as well. Helmets are a subject of controversy in many states but Virginia does not allow any choice in the matter of wearing an approved helmet.   Motorcycle drivers and their passengers must wear a helmet which is approved by one of the three national standard settings organizations:   Snell Memorial Foundation, the American Standards Institute, Inc. or the United States Department of Transportation. The use of helmets has been demonstrated statistically to reduce brain injury, death and vision impairment. Statistics regarding these incidents can be found on the Virginia Department of Motor Vehicle website and the National Highway Traffic Safety Administration.

Gloves, long sleeved shirts or jackets, heavy duty pants and appropriate shoes can be lifesavers to motorcyclists. When a bike is ‘laid down’ in the road (meaning that it has been tipped over onto one side) the rider can suffer abrasions, road burn, and lacerations. Proper clothing can reduce this risk.   Furthermore, if no helmet is worn or it does not have a face shield, the rider can be hit with road debris, insects and objects thrown from other moving vehicles. Visors, sunglasses, and safety glasses can all decrease the risk of injury.

Think a lot when it comes to selecting the motorcycle and the clothing worn when riding. Being visible at the right time could make the difference between being missed by a passing vehicle and being severely injured or killed. Footwear, however, should not be chosen for color since sturdy, full boots are safer and protect feet and ankles. Sandals, flip flops, and sneakers with laces which might dangle and be caught up in the moving vehicle parts are all unsafe. Care should be taken with all aspects of vehicle operation since the driver and passengers are directly exposed to the elements.

Using the motorcycle safely should be paired with having it properly insured. You want to meet the legal requirements but also protect yourself and others in the event of a crash and VA car insurance may not be as expensive as you think.  Put your zip code in the space at the top of this web page and you will get three competitive quotes for an insurance policy which meets the needs of a Virginia motorcycle driver and also meets your budget. Now is the time to compare and feel more confident that you can head out onto the open road with the maximum degree of safety.

What Every Responsible Driver Should Know About Auto Insurance in VIrginia

Aggressive driving, in the Commonwealth of Virginia as well as other states in the United States,   can best be described as any situation where the driver of a vehicle allows emotions or competitiveness to overwhelm his or her ability to operate in a rational, trained manner. Examples of aggressive driving are:

  • Failure of a driver to maintain appropriate space ahead, beside or behind another vehicle.
  • Racing behavior.
  • Use of assertive language or gestures,
  • Contact or close attempt to make contact by swerving vehicle or exiting the vehicle to threaten or intimidated

Aggressive driving is a criminal act in Virginia with consequences including fines, license suspension and potential jail time. Apprehension of aggressive drivers is a high priority for law enforcement but the most significant concern to the public is preventing injury or damage due to this misbehavior. Aggressive drivers are being warned that they should not get behind the wheel of a car when angry or overly emotional. They should plan their trips and allow sufficient time to make their way without the stress of becoming lost or late.    The use of soothing music, comfortable clothing and relaxed conditions can all reduce the level of hostility which will defuse a situation.

The rest of the driving or pedestrian public must also be educated so that if an aggressive situation occurs it does not escalate to damage or injury. For example, these driving hints will help:

1.  Drive in the lane appropriate for your speed. Do not drive slowly in the high speed lane.

2. Allow space when changing lanes, passing, or otherwise altering the course of your vehicle.

3. Use turn signals.

4. Brighten or dim your headlights as needed but with courtesy to other drivers.

5. Do not text or use your cell phone while you are driving.

6. Keep music and other distractions to a minimum.

7. Do not allow your passengers to misbehave or ‘prank’ other drivers, pedestrians or vehicle passengers.

8. Do not throw or allow items to be thrown from your moving vehicle.

If your efforts are not successful in avoiding the aggressive driver, then do what you can to let them pass on by.  If conflict is imminent, pull off the roadway into a well lit, established commercial area – ideally a VA police department.  Most fast food restaurants or convenience stores will summon police assistance if there is a problem developing right at their doorway. Do not, however, leave your vehicle.

Apologize, even if you are not at fault.   Often the aggressive driver has merely imagined the problem and an apology may distract him or her from the potential challenge.   Remember that a brief moment of embarrassment is far better than having your vehicle forced into a ditch or being compelled to defend yourself in a fistfight.

Aggressive driving situations are excellent examples of why a competent and proficient driver in Virginia should have better coverage than the state minimum coverage levels.  If an aggressive driver side swipes your car, it may be a ‘hit and run’ situation or that driver may not have adequate insurance to pay for the damage caused to your car, yourself or your passengers. Maintaining Uninsured or Underinsured Motorist (UUM) coverage would compensate you in a situation such as this where you were not the cause of the damage but the other party (who was at fault) was unable or unwilling to pay for the damages.

Insurance should not be viewed as a burden or low priority expense. As with many things in life, insurance costs you money for premiums with hopes that it would never be used – but if needed, you would certainly want the policy limits to be adequate and usable.  What would be the cost?   Of course, cost varies by driving history, the amount and type of Virginia auto insurance you wish to obtain, and your location.    Please put your zip code into the box at the top of this web page and you will see three or more competitive quotes from businesses approved to do business in the Commonwealth of Virginia.    This simple act can provide information to assist you in making an informed choice.

The Need For Car Insurance In Virginia

AutoInsuranceInVirginiaWhen you find yourself involved in a motor vehicle accident and the other person is at fault, you are permitted to be salaried for your damages. If you are suffering from slight wounds, for example, a small whiplash, a cut, or a bruise or even more relentless wounds, such as a broken member, internal bleeding, or soft tissue sprains, the driver in the wrong will be responsible to fix all of your finances and put everything back to how it was before the accident happened. This scenario takes action whether or not the driver has car insurance. If the driver does not have care insurance, you will probably have to sue the driver to pay for the damages. If the driver has car insurance, a lawyer, or yourself will have to talk with a claims adjuster.  The adjuster will be put to work by their VA car insurance company, to find a conclusion. The situation may or may not engage in filing a court case and taking it to court. This depends on whether or not you and your lawyer are on the same page with each other with the insurance corporation on the worth of your insurance claim.

 The minimum car insurance required in the state of Virginia is given to make sure drivers are protected. They also help offer affordable car insurance for families. The truth is no matter what state you live in, buying a plan that only verifies to state law is the same as driving about waiting for someone to come along and bankrupt you and your family. Car insurance in Virginia requires that you only have to have liability insurance. Hence when you are found in an accident which you caused, it still can’t cover your wounds and motor vehicle costs. Liability insurance merely offers coverage to accidents that other car owners go through. How great is that, you get to pay for insurance and yet still receive no coverage?

It is not the Virginia state government’s responsibility to keep you and your personal property protected, but to keep the public under their protection. Every single driver should think about some shape or accident and/or complete coverage as well as higher policy treatment. When you spend a couple nights in a hospital or have a collision with a costly car, fees can without difficulty go beyond $25,000 in damages. You can also be seized personally responsible for all of the fixed cost, which is able to go beyond your policy restrictions.

The Department of Motor Vehicles in the state of Virginia will recognize whether or not you have liability insurance on your Virginia motor vehicle. A car insurance confirmation structure is exploited to locate owners of motor vehicles that are not in agreement with their driving requirements. The confirmation starts when an automobile is registered, or a possessor calls off their liability insurance coverage. For the duration of the registration stage, if liability coverage slips, you have to pay the uninsured automobile fee, give up the license plate to the DMV or reinsure the motor vehicle. Enter your zip code above to get comparison quotes.

Knowing Car Insurance in Virginia Before Purchasing One

Virginia state car insurance has minimum requirements in regards to obtaining a motor vehicle. There are easy laws and regulations to follow in order to be put on the road. You don’t want to find yourself in an unexpected accident and have absolutely zero coverage. You want to know that you are safe and the insurance company will take care of whatever it needs to.

Car insurance in Virginia requires a driver to contain at least a little amount of insurance so they are covered. They will be provided with the following: $25,000 for injury liability for one person in an accident, $50,000 for all injuries in an accident, and $20,000 for property damage in liability for one person in an accident. The coverage minimum for a driver is 25/50/20. There are a few very important laws that a driver should be aware of when driving in Virginia. The state of Virginia states that drivers have three options in regards to insurance. When you register your motor vehicle, you have to confirm that the vehicle is insured by a company approved to do business in VA.

According to Virginia auto insurance law, your document must contain the required limits of liability. Also, for uninsured motorist, the $500 UMV (Uninsured Motor Vehicle) fee does not offer any kind of insurance. It only lets the motorist drive an uninsured vehicle at their own peril. The fee is also paid to the Department of Motor Vehicles (DMV). This runs out along with your registration and must be paid at renewal. Self insurance or Surety Bonds are particular choices for owners of business motor vehicles. Any details needed by a driver can be located at any DMV office. Also, as an important note, there are Non-Compliance Penalties. In agreement with auto insurance laws in the state of Virginia, motor vehicle owners, if they are uninsured or did not pay the UMV fee, will lose their operator’s license.

In order to get it back, they will have to pay a $500 legal fee, a $30 restoration fee, and file an SR-22 with the department of motor vehicles for three years. This will confirm that they now have insurance. Drivers in Virginia who made the decision to have car insurance will be glad to recognize that average auto insurance rates plunge underneath the national average of $1,440 meanwhile most good drivers pay around $1,230 for each year in payments. Yet, still many drivers pay below the amount by picking out their insurance providers carefully and making sure they receive the finest rates possible. But all in all, it is better to not just merely reach for the less expensive auto insurance rates.

It’s better to figure out the most excellent mixture of coverage, price, and reputation in a company. The state of Virginia does not need all of the drivers to have VA car insurance. Anyone who does not want to pay for car insurance coverage has the alternative of paying a fee of $500 per year to the department of motor vehicles. In doing so, they recognize that their vehicle will be activated at the owner’s own risk.  To comparison shop with other insurance companies, please enter your zip code above.