Auto Insurance

Auto Insurance In Virginia

In the state of Virginia, it is illegal to drive without car insurance. In order to legally register a car in this state, you need to be insured. Also, if you are caught driving without insurance, you could be ticketed and receive a summons to court.

If you need car insurance, contact Mahfuz Insurance Agency. We can go over the types of car insurance policies to choose from.

Liability Coverage

Liability coverage is the minimum required by law. If you are in an accident that was your fault, the other driver would be covered by the insurance, but your vehicle would not be. If your vehicle is damaged by vandals or in a storm, liability insurance would not cover the damage. You would have to pay for it out of your own pocket. If your vehicle is stolen, your insurance wouldn't cover the loss.

Full Coverage

Full coverage, also known as comprehensive coverage, is the highest level of protection. If you are in a car accident and have this coverage, the insurance would pay for your car to be repaired and also the other drivers. If your vehicle is totaled, the insurance would pay the book value. If your vehicle is damaged during a natural disaster or from vandalism, the insurance would cover the cost of repairs. Full coverage will even pay for the vehicle if it is stolen.

If your vehicle is leased, or if you are still making payment on it, your lender will require that you have full coverage. This is to ensure that the loan will be repaid, even if the vehicle is totaled or stolen.

Full coverage is typically more expensive than a liability, but it offers a great deal more coverage.

If you are looking for a car insurance policy, you should contact Mahfuz Insurance Agency. We can discuss your insurance options with you so that you can choose the best policy for your needs. We will also get quotes from all the available companies to ensure that you are paying the lowest premium possible. To sit down with an agent, give us a call or stop in today.