To get a license plate and registration in Virginia, you have to carry the minimum auto insurance, which includes bodily injury or property damage. If you don't meet the minimum coverage, you will need to pay an Uninsured Motor Vehicle Fee.
The state imposes penalties on motorists who don't meet the minimum requirements. Be sure to keep your insurance up to date to avoid the deactivation of your plates. Here's some information to help you discuss your auto insurance with a Mutter Insurance Agency representative.
Let's discuss the types of coverage available for your car, truck, or other motor vehicles, starting with the required coverage. Property damage liability kicks in when you cause an accident and have damaged another vehicle or someone else's property. Bodily injury covers injury to the driver and passengers in a vehicle you hit. This type of coverage helps you pay for medical bills, lost time at work, physical therapy, legal costs, and funeral costs.
One of the most common types of optional coverage is comprehensive coverage. It pays for losses unrelated to an auto accident. This includes animals that jump in front of your car, theft, and vandalism. Collision coverage pays for damage to your vehicle in a collision with stationary objects, buildings, or other vehicles. Personal Injury Protection, or no-fault insurance, covers medical claims in an accident. Underinsured/uninsured insurance covers you if you're hit by someone who has a small amount of coverage that won't cover your losses or has no auto insurance.
Contact Mutter Insurance Agency to discuss your insurance needs or stop by for a free Virginia auto policy quote. Our knowledgeable representatives can discuss your options and help answer any questions you may have about a policy. Also, try our online rating tool for quotes on auto and home insurance.
