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Types of Coverage

First, Liability Insurance is in-place to cover you for the amount of damage you do to others.  There are two types of Liability Insurance:

  • Bodily injury liability
  • Property damage liability

Virginia requires minimum liability auto insurance coverage of $20,000 for property damage, $25,000 for bodily injury or death of one person, and $50,000 for bodily injury or death of 2 persons or more.  The Insurance Information Institute, however, recommends you carry $100,000 of bodily injury protection per person and $300,000 per accident.

Then there are Medical Payments and Personal Injury Protection (PIP), which are types of medical expense coverage.  Medical Payments are paid on your behalf for the medical expenses of you and your passengers if an accident occurs and for the medical expenses incurred while driving your car, someone else’s car or while you and your family members are pedestrians.  There is no limit to the amount of medical expenses that are covered by MedPay.

Personal Injury Protection, also called PIP, will cover medical expenses, lost wages and/or funeral costs after an accident.  If you have disability insurance or good health insurance, PIP is not necessary and is not required in Virginia.

In addition, a driver can purchase Collision or Comprehensive coverage, which Virginia does not require; however, they may be required by lenders when you borrow money to purchase a vehicle.  Collision coverage pays for your repairs after an accident, and Comprehensive coverage pays for damage to your car after any incident including fire, theft, vandalism and more.

Finally, Uninsured/Underinsured motorist coverage will provide coverage for medical bills if the person at-fault is either uninsured or underinsured.

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