Importance Of Vehicle Insurance Virginia VA
Reader’s Question:
Is it really necessary to have a vehicle insurance in Virginia? Why? I’m a careful driver and will only be using the car to bring the kids to school, pick them up, or go to the grocery store.
Brenda
Richmond VA
Yes. A vehicle insurance has been designed to protect the driver from future liabilities. No matter how careful you are, there would times when you get distracted from your driving. A few seconds of taking your eyes off the road could lead your car to the other lane or some other form of minor incidents. There are times when kids become rowdy inside the car. When this happens, you’re attention is divided between them and the road. This is just an example of one situation where accidents could result. This is what a vehicle insurance is protecting.
In the legal sense, your state gives you a choice: either you’ll buy at least the minimum liability coverage or you’ll pay the state $500 annually. If you don’t get insurance, you’ll pay $500 plus you’re on your own when accidents occur. Instead of paying this amount but no protection, it’s better to get at least the minimum coverage, which may cause about $60 per month. The minimum liability coverage in your state is $25,000 for bodily injury to one person, $50,000 for all bodily injuries, and $25,000 for property damage. What does these figures indicate? Comparing them with other states, Virginia has a higher minimum, meaning, the incident rate in your state is higher. This tells you that it is better to be protected.
Moreover, having kids in the car most of the time emphasizes the need for making them protected too. Not only will you need to be protected from third-party liability, you’ll also need a comprehensive coverage so that you’re passengers are covered in case of accidents. What you can do is to talk to an insurance agent (one that you trust) and ask him for the most affordable and flexible kind of policy. That way, you’ll get a vehicle insurance that is just enough for your needs.