Types of Auto Insurance Coverage Petersburg VA

A question you might ask yourself is: why must we carry auto insurance? Hopefully one answer you should hear is to protect yourself and your car. For those same reasons the government also requires you to have car insurance.

Local Companies

Direct General Insurance Agency Inc
(804) 733-5773
3600 S Crater Rd
Petersburg, VA
Chappell Insurance Agency Inc
(804) 733-2020
25807 Cox Rd
Petersburg, VA
James Insurance Agency Inc
(804) 732-4123
116 N Sycamore St
Petersburg, VA
Whitley D H DOC Insurance Agency
(276) 386-6851
Highway 23
Weber City, VA
Lewis Insurance Services Inc
(804) 493-8084
15149 Kings Hwy
Montross, VA
Robert White & Associates
(804) 622-2990
121 Wyck St
Richmond, VA
Nationwide Insurance
(434) 634-3286
429 S Main St
Emporia, VA
Moncure Insurance Agency Inc
(434) 292-3012
203 S Main St
Blackstone, VA
Deel Curtis Insurance Agency Inc
(276) 395-7038
205 Front St
Coeburn, VA
Brooke Auto Agency
(703) 221-7712
1812 Featherstone Rd
Triangle, VA

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Types of Auto Insurance Coverage

A question you might ask yourself is: why must we carry auto insurance? Hopefully one answer you should hear is to protect yourself and your car. For those same reasons the government also requires you to have car insurance.

Auto insurance is at its heart financial protection. You purchase insurance in order to prevent paying thousands of dollars in the event of a collision or other loss. Many different types of insurance are available, covering almost every conceivable means of loss or damage to your vehicle as well as others to which you may cause damage. Very few drivers need to purchase every single type of insurance, so it is helpful to understand each type in order to decide which ones you require.

Property Damage Depending on jurisdiction, property damage insurance may also be called liability insurance or similar. This insurance covers damage that your vehicle may cause to someone else's vehicle.

Each state sets its own minimum requirement for how much property damage insurance you must carry, but the state minimum may not be enough in the event of an accident. If you cause damage that exceeds the limits of your insurance you may be sued for the difference. Always purchase as much property damage insurance as you can comfortably afford.

Personal Injury This type of auto insurance is also generally required by law. Personal injury insurance pays a portion (usually 80 percent) of your medical bills and a different portion (often 60 percent) of your lost wages if you are injured in an accident.

A small death benefit is often attached in case you are killed in the accident. This protection might extend to relatives, household members or even anyone who happens to be in the car, depending on state requirements and the individual insurance company's policies.

To read the full article, visit Myhonestmechanic.com

Featured Local Company

Allstate Insurance Company - Willis Roberts

757-483-0900
3115 Western Branch Blvd
Chesapeake, VA

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