Auto Insurance

Auto insurance is essential insurance coverage. Although Virginia is among the few states that don’t necessarily require motorists to carry auto insurance, having a policy can help protect you and other drivers. Following an accident, your auto insurance policy can help cover expenses such as repair costs or medical bills. Auto insurance is a great way to protect yourself from paying significant out-of-pocket expenses following unforeseen incidents.

What Is Auto Insurance?

Auto insurance, like most forms of insurance, is a contract between you and your insurer in which you’re provided financial assistance following an accident in exchange for an insurance premium. Common incidents in which your insurer will help out include collisions, vandalism, theft and injuries. Generally, the more you pay for your insurance premium, the more assistance you will get following an accident.

What Does Auto Insurance Include?

Policies vary, but in general, a typical auto insurance policy might include the following types of coverage:

·       Liability insurance helps insure you against claims arising from damage or injuries you cause to others if you are at fault in a wreck.

o   Bodily injury liability coverage helps cover their medical bills (and in some cases, death).

o   Property damage liability helps pay for damage to the other driver’s property, such as their vehicle.

·       Collision insurance helps cover damage to your vehicle after a wreck.

·       Comprehensive insurance helps pay for damage from non-accident mishaps, such as weather damage.

·       Medical coverage helps pay for your medical bills and those of your passengers.

·       Uninsured/underinsured insurance helps insure you against damage caused by someone else who doesn’t have adequate liability coverage.

While the above coverages are among some of the most common auto policies that you can buy, you might be able to purchase additional policies to boost your coverage. Be sure to reach out to our agency with any questions or concerns about auto insurance.

How Much Auto Insurance Do I Need?

How much auto insurance you need will depend on a variety of factors. All Virginia drivers are required to carry minimum amounts of auto insurance or pay a fee. Additionally, if you’ve financed your vehicle, your lender may require that you carry minimum coverage. It’s recommended that you carry coverage beyond the minimum amounts to ensure adequate protection.

Learn More

For more information on auto insurance, be sure to reach out to the Brent R. Lucas Agency. Our agents are determined to help the car owners of Leesburg, Virginia, learn more about auto insurance coverage so that they can make the right decision on a policy for their automobiles.

Contact one of our agents today at 703-779-0111 to learn more about coverage options.