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Bodily injury liability does not protect you or your car directly in a claim
brought by someone else against you. It does however apply in an accident for
which you are liable (at fault). This protects you in claims for damages including medical expenses, lost wages and pain and suffering. This coverage also applies for a member of your family driving your car or someone else driving with your consent. For example, Virginia requires a minimum of 25/50/20 liability coverage. The first number is the amount that virginia auto insurance will cover for any one person ($25,000). The second number is the total amount virginia auto insurance will pay for all persons injured in an accident ($50,000).
With average virginia auto insurance premium at around $752 in 2003, and the national average at around $914, most Virginians incorrectly assume that they have no choice but to accept these virginia auto insurance rates fixed by virginia car insurance companies and state regulatory agencies. We know there are cheap virginia auto insurance rates available for you, and we will help you find the cheapest virginia auto insurance quotes.
When calculating your virginia automobile insurance quote, you must take into consideration the following factors; your driving record, moving violations and previous accidents
will increase the cost of your virginia auto insurance. Other factors include age, gender and marital status. Finally, the county you live in will also affect the cost of your virginia auto insurance rate as well as the driving record of any family members covered under your virginia auto insurance policy.
Next, you want to be sure that you are covered in the event any property damage is done. Property damage protects you against a claim for damages to either another vehicle or property in an accident for which you are liable. The third number (25/50/10) tells you how much your virginia auto insurance will cover for property damage in any one accident.
The state of Virginia has a financial responsibility law which requires
all motor vehicles registered in Virginia to either have liability insurance
or enough to pay for any damages that occur in an accident. There are several
types of liability insurance; bodily injury, property damage and underinsured or uninsured motorists insurance.
As the years go by, the virginia auto insurance rates change, you might be paying more virginia auto insurance premium than you need to. Just one year earlier, the average virginia auto insurance premium in 2002 was about $713, that's an increase of about 5.47% in just one year!
Underinsured or uninsured motorist (UM/UIM) coverage pays for you, members of your family in your household and occupants of your automobile for personal injuries caused by a hit and run driver or an uninsured motorist. This coverage basically replaces the insurance the other driver should have bought but did not. In Virginia you can register as an uninsured motorist and pay a $500 fine
to meet the financial responsibility law.
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