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Car Insurance

Richmond Office – 804 741 6305    |   Charlottesville Office – 434 979 0814

Auto Insurance is Able Insurance’s specialty!

Your auto insurance is a collection of different policies that cover you in different ways. Before you buy car insurance, it’s helpful to know how much car insurance you need.

Here’s how it’s broken down:

  • Liability coverage – These policies help cover liability and expenses when you’re at fault in and accident. The money will go to the people you hit, but it won’t cover the people in your car.
  • Bodily Injury Liability (BIL) – This policy pays for the medical expenses of people injured in a crash in which you’re at fault. You’ll often see BIL policies described as a “20/50” policy or a “100/300” policy. These numbers describe the maximum dollar amount the policy will pay for a single person’s injuries and the maximum for all the injuries sustained by all the occupants of the other car. For example, a policy will pay maximum of $20,000 for a single person’s injuries, and up to $50,000 total for the injuries of everyone in the car you hit.
  • Property Damage Liability – This policy pays for damage done to the other car if you’re at fault in an accident. Property liability is sometimes referred to alongside BIL as a third number, so a 25/50/20 liability package will cover up to $10,000 for damages to the other car.

The following policies cover you and your car in an accident:

  • Uninsured/Underinsured Motorist Coverage – This helps cover costs if you are hit by someone without insurance, or minimal coverage.
  • Collision – This policy covers repairs to your car after an accident.
  • Comprehensive – This policy covers costs if your car is stolen or damaged outside of an accident.

Minimum coverage isn’t necessarily all you should have. If you’re involved in a serious accident, it’s possible that an individual’s medical expenses could exceed $15,000, or a group’s expenses could total more than $30,000. In addition, $5,000 for car repairs isn’t a lot, considering that the average car now costs a little more than $20,000.

You’re on the hook when costs exceed your coverage limits. That’s why many people opt for policies that cover more than required minimums, particularly if they have assets that can be seized to pay for repairs and medical care.  A good rule of thumb: Make sure you’re covered for an amount equal to the total value of your assets (Add up the dollar values of your house, your car, savings and investments).

How much insurance do you need for yourself?

Auto Insurance Car Form ConceptCollision and comprehensive coverage is worth having if you would want to repair or replace your car after an accident. These policies have a deductible (the amount you have to pay out-of-pocket before coverage kicks in), and they pay out based on the current value of your car, not what you paid for it.

Choose the highest deductible you can afford, because a higher deductible will significantly lower your premium. You’re seeking coverage for major damages to your car, not for every little thing that can go wrong. It’s better to spend $500 of your own money on minor repairs every so often than pay an extra $50 a month whether you need repairs or not. Save collision insurance for when you have car repairs that cost thousands, not hundreds. Remember, if you submit a claim for every little thing, your premium will increase.

SR22 Insurance/FR44 Insurance (financial responsibility)

The state of Virginia uses the SR-22 form to help protect its citizens against problem drivers by monitoring their insurance. It requires the auto insurance company to file the SR-22 form as a proof of a problem driver’s financial responsibility, stating that his/her auto insurance liability is in effect. The state does not send notifications and it is the responsibility of the driver and the auto insurance company to submit the form as well as the renewals, to the state, if required.  Able Insurance provides SR22 Insurance.

SR22 Insurance is required in the following cases:

  1. If you have any unsatisfied judgment suspensions. For example, if a driver involved in an accident in the past has an unsatisfactory judgment entered against him then he or she needs to fill the SR-22.
  2. In case of an uninsured motor vehicle suspension.
  3. Certain convictions such as driving under the influence of drugs or alcohol, or driving with a suspended license will require filing of an FR-44. This is a more stringent version of the SR-22 under which the amount of minimum coverage is doubled.
  4. In case of a driver’s license suspension as a result of a conviction for a major offense such as manslaughter while operating a motor vehicle, making a false affidavit during driver license application or vehicle registration, failure to stop at the scene of an accident that resulted in death or injury, or a second conviction for operating a passenger vehicle without a valid license.

What is FR44 Insurance?

To reinstate your license after a DWI (or DUI), your insurance company must file an FR44 certificate with the DMV. An FR44 verifies your fulfillment of double Virginia’s minimum liability requirements for the next three years.  Failure to pay your premium will result in an invalid FR44 and a suspended license.

 

Auto Insurance is Our Specialty!

Let Us Save You Money
On Your Insurance With Combo Rates!

Combining homeowners or renters insurance with an auto insurance policy can provide you with big savings, thanks to our multi-product discount. Just contact us and let us know what you're looking for and we'll try to save you lots of money!

Conveniently Located Offices

716 Rio Rd West Charlottesville, VA 22901
434 979 0814

9103 Quioccasin Rd, Richmond, VA 23229
804 741 6305

Contact details

Email Us: quote@ableinsurance.com

Even if we don't have an office near you, it's EASY to get the coverage you need by clicking on the GET A QUOTE buttons above.

Office Hours

Monday-Friday 9am-5pm
Saturday 9am-12pm
Closed On Sundays

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