The purpose of article 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!
Since we first recorded the video referenced below, Virginia law has changed. We are in the process of updating the video to accurately highlight these beneficial changes.
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.
Stay tuned for our updated video on this subject.
The bottom line is it’s better to have more insurance and not need it than not having enough insurance when you desperately need it.
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5.0/5.0Justin Curcio represented me as my personal injury attorney for a car crash injury I had in a car accident. I trusted him every step of the way and he won my case for me. Since day one, he and his team made the process very smooth and informative. Th...
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5.0/5.0
We've know Tom Curcio and Curcio Law for many years. Our team is always impressed by their professionalism and their dedication to their clients. I am always happy to refer people to Tom Curcio and Curcio Law.
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5.0/5.0
Great experience! All staff I interacted with were professional and courteous. They explained the process thoroughly and kept on top of the issue until it was resolved. I would definitely use Curcio Law again!
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5.0/5.0
Kind and informative! They happily answered all of my questions and walked me through everything that was happening. Not only that, but they always responded quickly to calls/messages and emails. Amazing experience.
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5.0/5.0
Justin Curcio and Curcio Law were outstanding in handling all aspects of my car accident. I’m very appreciative of the support they gave me and by making a bad situation into a seamless process.
