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What types of car insurance should I carry in the event of a Virginia car accident?

The types of car insurance you should carry in Virginia, in case of a car accident in which you are the victim, ought to go above and beyond the state minimum coverage of $25,000 for bodily injury of a person, $50,000 for the injury of 2 or more people, and property damage up to $20,000.

A personal injury lawyer can help obtain compensation for the actual costs you incurred because of the accident, as well as collect settlements for emotional tolls like pain and suffering.

Additional and Optional Coverage

In the majority of severe car accident claims, the minimum amounts are woefully inadequate to cover the costs of the injuries endured, which is why you may want to opt for additional coverage.

  • Collision – Regardless of who was at fault, collision coverage will pay for physical damage to your vehicle caused by a collision with most objects, including other cars.
  • Medical Expenses & Loss of Income Benefits – Compensation for reasonable and necessary medical expenses for yourself or others injured in the car accident, as well as payments to you or your family if you are unable to work.
  • Transportation Expenses – In cases where your vehicle needs to be repaired or replaced, this type of coverage will pay for the use of a rental car.
  • Additional Liability - Since the minimum is $25,000/$50,000, insurers offer additional bodily liability coverage up to or over $100,000/$300,000.
  • Additional Uninsured / Underinsured Motorist – In cases of hit and runs, uninsured drivers, or underinsured motorists, this coverage will compensate you when the other driver is unable to pay for your expenses.

Injured in a Front Royal, Virginia car accident? An Attorney Can Help

If you have been under-compensated or denied your insurance claim in Virginia, the attorneys at Dulaney, Lauer & Thomas can help. Call today for a free consultation – 1-888-534-5346 or 540-636-7100.