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Car insurance provides compensation to another person in the event that you are found to be liable to that person damages. Your liability insurance not only protects your personal assets. It also provides coverage for you and your passengers if you have the misfortune to be injured in a collision with someone who only has the minimum coverage of 25/50/20 or someone with no insurance at all.

Technically Virginia does not require car insurance. The reality is that you can be charged criminally if you do not have at least the minimum insurance or the equivalent.

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One of the most common questions I am asked by new clients is whether it will be necessary that their case go to court. Most people want nothing to do with having to go to trial. They fear that once they hire a lawyer, they will lose control of their case. They have heard of cases taking years to resolve and fear their’s will be one of them.

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Many people say they have “full coverage”, believing they are adequately insured. However, when asked the specifics of what coverage they actually own, they generally have no idea. This helps explain what Full Coverage really is.

I have represented people involved in automobile accidents for more than 20 years. During my initial meetings with clients, one of the most important topics of conversation is the insurance coverage they purchased for their own auto. Many people tell me they have “full coverage”, believing they are adequately insured. However, when I ask the specifics of what coverage they actually own, they generally have no idea. Do they have bodily injury coverage, which protects them if they cause injury to a third party? Did their agent explain to them the need for uninsured motorist coverage to protect them if they are injured by an uninsured driver, and did they purchase it? What limits of coverage did they actually buy? They simply do not know.

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Many people say they have “full coverage”, believing they are adequately insured. However, when asked the specifics of what coverage they actually own, they generally have no idea. This helps explain what Full Coverage really is.

I have represented people involved in automobile accidents for more than 20 years. During my initial meetings with clients, one of the most important topics of conversation is the insurance coverage they purchased for their own auto. Many people tell me they have “full coverage”, believing they are adequately insured. However, when I ask the specifics of what coverage they actually own, they generally have no idea. Do they have bodily injury coverage, which protects them if they cause injury to a third party? Did their agent explain to them the need for uninsured motorist coverage to protect them if they are injured by an uninsured driver, and did they purchase it? What limits of coverage did they actually buy? They simply do not know.

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