Practice Areas
- Car Accidents & Injuries
- Tractor Trailer Accidents
- Drunk Driving Accidents
- Uninsured Motorist Claims
- Motorcycle Accidents
- Insurance Claim Denials
- Construction Accidents & Injuries
- Virginia Workers Compensation
- Nursing Home & Assisted Living Abuse
- Wrongful Death
Blog 
Car Accidents & Injuries
- How (Un)safe are Culpeper County Intersections?
- A low-speed Fauquier County accident can be a serious accident
- Could later Virginia school start times mean fewer teen car wrecks?
- Driving at night in Virginia? Be sure to buckle up!
- Drowsy Driving in Virginia: A Serious Problem
Firm News
- Culpeper drivers: “Safety and Patience” needed now that school is back
Posted on 8/29/2010 - MD man leads Culpeper police on high-speed Rt. 3 chase, crashes car
Posted on 8/25/2010 - Fauquier County reckless driving wreck lands four in hospital
Posted on 7/29/2010 - Will the I-66 speed limit be raised?
Posted on 7/27/2010 - Prince William County police cruiser involved in serious wreck
Posted on 6/30/2010 - Hit and run car accident injures Culpeper man
Posted on 6/29/2010 - Three taken to hospital after two serious vehicle wrecks in Culpeper
Posted on 6/29/2010 - Four injured in single-vehicle Culpeper car crash
Posted on 5/29/2010 - No Manslaughter Charges for Defendant in Deadly Rt. 3 Culpeper Crash
Posted on 5/25/2010 - VDOT wants Virginia drivers to make work zones NO PHONE ZONES
Posted on 4/27/2010
Library
Car Accidents & Injuries
Q: My auto insurance policy has "Liability Coverage." What is this?
A: Liability coverage protects you in the event you are legally at fault (ie: liable) in causing a wreck which harms someone else. In the typical auto policy, there is separate liability coverage for: 1. property or vehicle damagecaused to others; and 2. personal injury or death caused to others. Liability coverage is simply vital. Check your policy. We recommend that you carry as much liability coverage as possible, and at the very least $300,000.00. Please note that under Virginia law, the minimal amount is just $25,000.00 This is not just low, but ridiculously low. However, you would be shocked at how many people carry just that amount and consider themselves to have "full coverage" because they have never been advised otherwise. We see it so often. In addition to providing monetary protection, auto liability coverage also includes the cost of a legal defense. If you are sued, your insurance company will retain and pay for a civil defense lawyer to represent you in court. Most insurers have established relationships with specific law firms or even employ their own "in-house" counsel for this purpose. Of course, you also have the right to employ your own defense lawyer as well. On a final note, we even advise that you look into purchasing an "umbrella" policy. This provides additional liability coverage beyond your auto insurance policy. Umbrella policies are typically in higher amounts, such as $1,000,000 to $2,000,000. However, we have found that these policies are surprisingly affordable. We do recommend them. Whether through your auto policy or a separate "umbrella" policy, the concept of liability coverage is the same. It protects against claims or suits brought against you because of your own potential fault. For your own protection, buy enough of it.
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Warrenton Office
492 Blackwell Road
Suite 201
Warrenton, Virginia 20186
Phone: 540-341-0007
Toll Free: 888-907-2631
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Culpeper Office
209 N. West Street
Culpeper, VA 22701
Phone: 540-825-6046
Toll Free: 800-741-1012
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Why Choose Us?
- We Only Handle Accident and Injury Cases
- Over 40 Years Of Experience
- Offices in Warrenton and Culpeper
- Free Consultation
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FAQ
Car Accidents & Injuries
- My auto insurance policy has "Medical Expense" coverage. What is this?
- If I hire an attorney will that prolong the resolution of my case or guarantee that it goes to trial?
- Does an injury case require an attorney who "specializes" in personal injury law?
Case Results
Car Accidents & Injuries
Spinal Injury - $700,000 - Confidential
Case Against Federal Government - $450,000