Are you a resident of Virginia and are stuck on how to purchase an insurance policy for your car? The Independent Insurance Agency of Richmond is a reliable firm that focuses on satisfying clients' needs. We offer a variety of auto insurance coverage options at reasonable rates.
The Virginia Financial Responsibility Law requires all cars to have a certain amount of liability coverage on their policy. There are other alternatives to insurance. However, in case an accident occurs, you will be compelled to cater for all expenses.
Every car owner determined to cover their vehicle should purchase liability insurance to cater for the damage and injury costs incurred after they cause an accident.
The coverage has minimum limits for individuals and several people. We pay a driver's bills and legal fees up to the limits when one causes an accident. The state has relatively higher limits compared to other states.
The policy covers all medical costs one incurs in a car crash. Also, in case anyone included in insurance passes on, it compensates all funeral expenses.
The policy has 25/50 minimum limits per accident. However, it can't exceed your bodily injury liability maximum limit. UIMBI/UM pays an individual's bills when an uninsured driver hits them.
The Virginia Insurance Code requires all certified insurers to provide this policy to motorists. It has an absolute weekly and annual limit. A lost income benefit is ideal when one depends on regular income.
The policy comprises of comprehensive and collision coverages. They cover most of the car's damage in an accident. You can file a claim of up to your car's total value. However, one has to pay some out-of-pocket deductibles before being compensated.
The Independent Insurance Agency of Richmond has competent auto insurance agents that are ready to help you with a policy. Reach out to our agents to learn more about the advantages of an auto insurance policy and try our online rating tool for a quote on auto insurance. We look forward to hearing from you.