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Auto Insurance

Minimum Auto Insurance Requirements in Virginia

In Virginia, there are state requirements for you to meet when purchasing a new vehicle or taking one out on the road. The minimum requirements are $50,000 for bodily injury liability for two or more persons and $20,000 for property damage liability. Bodily injury and property damage liability also cover medical bills, property damage bills, and damages if you are sued. You should acquire more coverage to protect you in the event that a crash is severe. Liability won’t cover your personal injuries or damages.

Optional Insurance Coverage in Virginia

Many will tell you that just having the minimum insurance requirements is not enough. There are still other costs that can arise from an accident besides your liability costs. An agent at Star City Insurance can help you find the right coverage options for your needs.

  • Collision and Comprehensive Coverage: With these two coverage options, you will be able to cover your vehicle damage, whether it’s from a car accident or another event. You will still have to pay a deductible, but it can save you from a lot of financial trouble. The deductible amount you choose will affect the price you pay for premiums.
  • Medical Payments: This covers your medical costs related to an accident, regardless of who is at fault. This insurance can also cover funeral expenses if someone included on the policy passes away in the accident. Some drivers find this coverage redundant to health insurance but others like it because they have minimal health insurance policies.
  • Lost Income Benefits: All insurers in the state must offer this coverage for up to $100 a week. You may want this coverage if you are the sole breadwinner or depend on your regular income.
  • Uninsured and Underinsured Motorist Coverage: You can get coverage for both injuries and property damage, and it will cover you if you are in an accident with a driver who doesn’t have the minimum required insurance.

Contact Star City Insurance to get a quote on auto insurance.