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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.

Watch the video today!

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.

OUR RESULTS
  • "$213,000.00 - Jury Verdict, Auto Accident with Hand Injury"

  • "$1,500,000.00 - Auto Accident & Wrongful Death"

  • "$100,000.00 - Auto Accident With Broken Leg"

  • "$493,000.00 - Auto Accident, Brain Injury, Broken Rib, & Facial Lacerations"

  • "$190,000.00 - Auto Accident & Brain injury"

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    Justin Curcio was my personal injury attorney after I was hit by a car as a pedestrian. Justin and his team at Curcio law were wonderful to work with. He was so very diligent and patient and was extremely professional. He often followed up with me,...

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    Early this year, while walking, I was hit by a car. Suddenly my life was a cacophony of emergency rooms, police reports, hospitals, surgeons, too many insurance companies, all wanting me to sign something. It was awful! Fortunately some of the many...

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    I was in a motor vehicle accident over 10 years ago as a minor and my family hired Tom Curcio to represent me and my family members. Tom worked diligently to represent us. I am glad that he was our attorney. He is a nice guy and very good at what he ...

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    Tom Curico and his staff are fantastic. They handled my case professionally and were there to answer any questions quickly whenever I called. They worked out a great settlement for me. I would recommend them without reservations.

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