The insurance agents at Cary-Wheeler & Associates Inc. in Richmond, VA are touting the importance of having an auto insurance policy in place.
While the state of Virginia is one of few states in the country that does not require you to have an auto insurance policy in place, you are required to pay a special fee of $500 per year to be able to drive without insurance. It is more affordable do you have an auto insurance policy in place and it has many benefits.
A liability auto insurance policy will cover the other driver in anyone else that is injured in an auto accident that is caused by you. It will also pay for any property damage that you may cause from an accident.
Underinsured/Uninsured Motorist Coverage
Underinsured and uninsured motorist coverage is important to have in place because it protects you in any passengers in your vehicle from a motorist who is driving with no insurance coverage at all or not enough coverage to help pay for damages to your vehicle or injuries you may sustain in a crash.
If you owe money to a bank or other lender because you borrowed money to purchase your vehicle, you will more than likely be required to have comprehensive insurance in place to protect your lender’s investment in your vehicle. This type of policy is good to have in place even if you don’t owe money on your car and will cover the repairs if your vehicle is damaged by a fire, and natural disaster, or an act of vandalism. It will also help you to replace your vehicle if it is stolen and not recovered.
Collision insurance will help pay for any damages to your vehicle and another vehicle that you collide with or even a stationary object.
Call For a Quote Today!
To obtain a quote for auto insurance for your vehicle and to get your policy started, contact the auto insurance agents at Cary-Wheeler & Associates Inc. in Richmond, VA today!