Auto Insurance in Glen Allen and Chesterfield, VA
Hitting another car or property and causing damage to your vehicle or someone else’s can be upsetting—and without auto insurance, it can be costly. However, with the protection of auto insurance, you may be able to lessen the financial harm from such occurrences.
Mequell Green Insurance helps Virginia drivers with auto insurance policies tailored to their unique needs. We can help you explore a policy that gives you the protection you want.
What Is Auto Insurance?
Auto insurance is a contractual agreement between you and your insurer. For your premium payment, your insurer provides you with insurance coverage, which may protect you financially if you have a covered loss—potentially reducing your out-of-pocket costs.
Virginia gives its drivers a few choices regarding auto insurance. If drivers want license plates and stickers for their vehicles, they must meet the state’s minimum insurance requirements. The state also allows drivers to opt out of auto insurance and drive uninsured; however, drivers must pay an uninsured motor vehicle (UMV) fee to do so. This UMV fee isn’t insurance and may be risky since it offers no protection. The defense that auto coverage offers drivers is invaluable, and although Virginia may be lenient on its auto insurance requirements, many drivers still choose this essential protection.
Virginia drivers may choose an array of vehicle coverage for vital protection:
- Liability insurance may help pay for the losses of the other driver and anyone else injured or harmed if you are at fault in an accident. Liability insurance includes:
- Bodily injury liability coverage may pay for third-party medical bills and sometimes for death benefits.
- Property damage liability coverage may pay for damage to the other person’s property.
- Collision insurance may helpcover damage to your vehicle sustained in an accident or collision with an object.
- Comprehensive insurance may help pay for non-accident damage, such as weather damage, fires, theft, vandalism or other occurrences.
- Medical payments (MedPay) coverage may help pay for medical expenses for injuries sustained in an accident, regardless of who is at fault.
- Uninsured/underinsured motorist insurance may help cover damages if someone who doesn’t have appropriate liability coverage caused an accident that resulted in bodily injuries or property damage to you.
You may choose to add additional coverages for your vehicles, such as towing and rental car coverage. We can discuss if this may be beneficial to add to your auto policy.
How Does Auto Insurance Work?
Auto insurance may give you financial protection if you have a car accident or non-collision-related damage. Your auto insurance policy is a contract with an insurance company. In exchange for your regular premium payments to your insurer, they provide you with policy coverage. Your insurance may help you pay for covered damages up to your policy’s limit after you pay your deductible. Please note that all policies may have varying details, limits, and claims processes.
How Do Auto Insurance Deductibles Work?
An auto insurance deductible is the amount you must pay toward your vehicle repairs before your insurance may pay the rest of your claim. Deductibles are applicable only on specific types of coverage and claims—and deductibles usually apply to each separate claim. You’re typically responsible for paying a deductible each time you make a claim. We can help you get a policy—and deductible—that works for you financially.
How Do Auto Insurance Claims Work?
You may decide to file a claim with your insurer if you have an accident or non-collision damage. After your insurer investigates your accident, if the claim is covered, the insured normally receives money to cover the cost of repairing or replacing their vehicle. Depending on the insurance company, the insured will have to pay the deductible or the insurer may issue you a claim check minus the deductible or send it directly to the repair shop to apply to your bill.
Although there isn’t a limit on the number of claims you may file with your insurer, they may choose to cancel or not renew your policy if you file too many claims.
Is Auto Insurance Required by Law?
Virginia, as detailed above, allows drivers to be uninsured—by paying a small fee. However, if a driver causes an accident, they are liable for paying the costs of potential injuries and property damage that others sustain. Medical payments insurance (MedPay) may be beneficial coverage if you’re at fault for an accident. Many drivers choose to add an assortment of coverage for financial protection even if the state doesn’t require them to do so. We can explore what coverage may be worthwhile as part of your auto insurance policy.
Providing Virginia Drivers with Protection
Call our Mequell Green Insurance Agency location in Glen Allen, Virginia, at 804-672-7222 or our Chesterfield office at 804-748-2919 to speak with an agent about an auto insurance policy that may be a worthwhile investment to make.