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Virginia Car Insurance Coverage – Explained!

The purpose of this video is to explain the basic elements of a car insurance policy. All too often, we discover that a client’s insurance policy doesn’t adequately cover the injuries they sustain due to someone else’s negligence, especially in car accident cases.

Don’t let this happen to you!

Using a sample “declarations page,” we walk you through the coverage you should have to protect you and your family fully.  We explain what is covered, who is insured, what the terms are, and how coverage is applied.

These are the areas covered in the video:

  • Coverage period – this is when the policy is in effect.
  • Names of the insured and additional drivers under the policy.
  • Bodily injury liability – if you cause an accident and are subsequently sued – this is the coverage that will protect you.
  • Property damage coverage.
  • Medical expense – this is a second source of coverage for the insured listed on this policy, regardless of who caused the accident.
  • Uninsured/Underinsured Motorist (UIM/UM) – If the person who causes the accident doesn’t have insurance, your own insurance will cover you.  This coverage is ESSENTIAL FOR PROTECTING YOURSELF and, unfortunately, is often overlooked.
  • Deductibles – the amount you must pay upfront for property damage or collision before you are reimbursed to your policy limit.
  • Transportation – covers expenses when your vehicle is being repaired.

The bottom line is, it’s better to have more insurance and not need it than not have enough insurance when you desperately need it.

Thomas J. Curcio Attorney Photo
Thomas J. Curcio
Founder

Tom Curcio, the driving force behind Curcio Law, is a dedicated trial lawyer with more than 37 years of experience in Northern Virginia. He has dedicated his career to representing people who have been seriously injured through no fault of their own. He works tirelessly to obtain the compensation his clients are legally entitled to…

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Rakin Hamad
Associate

Rakin Hamad is a graduate of the George Mason Law School and joined Curcio Law as an associate in August 2018. Rakin works closely with Tom Curcio and staff in preparing cases from the initial client meeting through trial and has been a perfect fit for the firm. During law school, Rakin interned at the…

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Justin Curcio
Associate

Justin Curcio received his J.D. from St. John’s University School of Law in 2015, where he was awarded an academic scholarship. During law school, he worked for the Nassau County District Attorney’s Office and the law firm of Bartlett, McDonough & Monaghan, LLP. Justin also spent a semester studying law at the University of Glasgow…

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Kathy McAfee
Office Manager

As the firm’s office manager, Kathy McAfee is dedicated to making sure the office runs smoothly and that the team has what it needs by way of resources, technology, and supplies to best serve our clients. Kathy graduated with a B.A. in Sociology from Roanoke College in 1986 and afterward, returned to Alexandria. She began…

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Riann Winget
Legal Assistant/Receptionist

Riann Winget, a native Texan, graduated with a BA in Psychology and a Minor in Legal Studies from the University of Pennsylvania in 2017. She was a member of the varsity soccer team, Chi Omega Sorority, and was on the university board for Big Brothers Big Sisters. After graduation, she joined AmeriCorps and taught preschool…

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