Whether you are a new driver or have a few miles on you, you should have car insurance in VA. You may not understand what types of coverage are available or what they do. This explanation of coverage can help you decide what to add to your policy for protection that works for your budget.

The Needs

Car insurance in VA should include the following types of coverage:

  • Property damage liability – to cover damage you cause to someone elses property. It can also cover damage to road signs, telephone poles, and other structures.
  • Bodily injury liability – to cover medical and other expenses if you cause injury to another person with your vehicle.
  • Uninsured or underinsured motorist coverage – to protect you if you are in an accident and the other driver has the minimum level or no insurance.

The Wants

Depending on the value of your car or other assets you own, you may choose to have additional coverage included in your policy. Some of these options are:

  • Collision coverage – to pay for damage done to your car.
  • Personal injury protection – for medical expenses and lost wages if you are injured in an accident you cause.
  • Comprehensive – for loss due to theft or non-collision damage, such as falling limbs, fire, or other problems.

You can also add coverage for roadside assistance, rental car, and glass repair. You can review your car insurance in VA with your agent to make sure you have the level of coverage you need at a competitive price.