Virginia car insurance protects drivers in the occurrence of bodily harm or damage to property. When looking for car insurance, standard policies generally include variations of collision, personal injury, liability and uninsured motorist components. Some companies offer reimbursement for rental cars should your car need repair or gets stolen. Though this is a common feature, it is more often an add-on to the policy.
The collision aspect pays for vehicle repair or replacement following an accident. If you opt for comprehensive collision coverage, your automobile will be insured in the event of any type of incident. For example, if damage occurs as a result of vandalism, weather or fire, comprehensive policies pay to fix your car. If you’re involved in an accident, liability policy components take care of medical expenses or settlements should other people be injured in the incident.
Conversely, personal injury coverage protects you and your passengers if you’re involved in a collision. This aspect of your policy will cover medical expenses and funerals. Additionally, it will cover you if you are driving someone else’s car. The last component of Virginia car insurance provides for being injured by an uninsured or underinsured motorist. This is one of the most important facets of automotive policies because it covers your medical expenses should the other driver lack liability coverage. Having all these components in your car insurance policy provides complete and through coverage.