These are a brief explanation of coverages, not a contract or binder of coverages.
The legal contract is contained only in the insurance policy.
If you have any questions, please contact one of our agents.

Bodily Injury Liability and Property Damage This is required coverage. Liability coverage pays for your legal responsibility to others for bodily injury or property damage. Virginia requires $25,000 per person/$50,000 per accident coverage for bodily injury and $20,000 for property damage. It is very important that you have enough liability insurance. If you are involved in a serious accident, you may be sued for a large sum of money. Definitely consider buying more than the state required minimum to protect assets such as your home and savings. Income Loss Coverage Income loss coverage protects you if you're unable to work due to accident-related injuries. This auto insurance coverage helps you recover portions of your lost salary and other expenses you may incur as you try to return to work. Medical Payments This usually pays for the medical expenses of the driver and passengers in your car. Uninsured Motorist This will pay for your injuries caused by an uninsured driver or a hit-and-run driver in an accident that is not your fault. Comprehensive Coverage This coverage will pay for damage to your car if it is stolen or damaged by flood, fire, animals, or other covered perils. Collision Coverage This pays for damage to your car when your car hits (or gets hit by) another object. You can opt for a higher deductible in order to lower your premium. Towing Coverage Pays up to the agreed amount of a service call or towing when your car is disabled. Rental Coverage Pays up to the agreed upon amount towards the use of a rental car while your car is being repaired due to loss or accident.