Your auto insurance works best when you don’t really notice it’s there—until you need it. When you’re in an accident, you need your insurance to be very visible very quickly.
When you let Able Insurance help you, you’ll be able to find the perfect plan. We’re an insurance agency, not an insurance company, which means our job is to search the entire market to find you a good deal. Below is some good information about what you need and what you should consider when you're looking for auto insurance.
FIND THE BEST INSURANCE PLAN
Every insurance plan is different. When you’re looking for a new auto insurance plan, you have to consider different types of coverage, including:
When you’re involved in a crash, whether it’s with another car or a standing object like a tree, collision coverage offers payment to help you pay for the damage.
Some people don’t like taking risks. If you want your insurance to cover absolutely everything, including theft, weather damage, vandalism, and fire, comprehensive coverage will do the job.
This type of coverage pays for medical care if you get injured in a car accident.
You can pay for bodily injury liability coverage in case you cause an accident that hurts someone else. Your insurance will help you stay afloat financially while helping the other person with their medical bills. You can also choose property damage liability coverage, which would pay for damage your accident caused to other people’s property.
You have so many options for auto insurance! Let the professionals at Able Insurance help you choose what you need. We’ll evaluate your situation, help you decide which coverages make sense for you, and find you the best bargain possible. Below are some frequently asked questions about car insurance. Click the arrows to view them all.
If you cause an auto accident, you may be responsible for the losses of the other people involved. A claim may be made or a lawsuit filed against you for the losses. You may have to pay not only for the property damage you cause, but also for the medical expenses, lost wages, and pain and suffering of any injured person.
If you do not have insurance, anything of value that you own, including your home, savings, future wages and other assets, may be taken to pay for those losses. Auto liability insurance will protect you so that this does not happen.
If the DMV determines that you have not met the financial responsibility requirement, the DMV may suspend your license and require an SR-22 or FR-44 form to be filed by your insurance company and require you to pay the $500 Uninsured Motor Vehicle fee. If a FR-44 is required, the minimum limits are 50/100/40.
Severe penalties are imposed for not complying with insurance requirements. If liability insurance coverage on a vehicle terminates or cancels during the registration period, you must reinsure the vehicle, pay the uninsured motor vehicle fee, temporarily deactivate your license plates, or surrender the license plates to DMV.
Self-insurance or Surety Bonds are special options for owners of business vehicles. Details are available at any DMV office.
DMV monitors insurance coverage through our Insurance Verification Program. Insurance carriers provide DMV with electronic updates of insured information and vehicle description when they cancel, add and write new coverage for motor vehicles registered in Virginia. DMV verifies that motor vehicles are properly insured by comparing vehicle registration information on file at DMV with liability information transmitted by insurance carriers. When no insurance is found, the motor vehicle owner is required to furnish policy information to DMV for verification.
If you have received an Insurance Verification Inquiry letter from DMV requesting information about your insurance policy, you may submit that information online.
716 Rio Rd West Ste. D Charlottesville, VA 22901
434 979 0814
9103 Quioccasin Rd, Richmond, VA 23229
804 741 6305
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