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Different Types of Reston Car Insurance: Rental, Towing, Medpay, Lost Wages
Everyone should have car insurance, especially in Reston Virginia where you’re not even legally required to. Northern Virginia has some of the country’s worst traffic, which puts you at a huge risk of a car accident. As crazy as it may seem, the Commonwealth of Virginia will let residents drive WITHOUT insurance! Virginia car insurance is your shield in any case of a Reston Virginia car wreck where you face a personal injury claim. Too many insurance agents leave you and your car insurance coverage with gaps.Would you really want to drive around Northern Virginia or in Reston without car insurance? Hopefully not, considering you would be extremely vulnerable following a car wreck and paying out of pocket for your Reston Virginia personal injury. This is why I took the time to find a true expert when it comes to Reston Virginia insurance, so make sure to watch the video above with me and a local insurance expert. You can read below to see what will help you avoid financially going under from a weak car insurance policy!
The top question clients ask me about their Reston Virginia car insurance coverage, is will I have coverage when renting a car? Fortunately your own policy will shift over whatever car you’ve decided to rent. But there’s one catch; if you do get in an accident and the rental car is in the shop getting repaired, for the time being the repair is considered to be under “loss of use” which you can be charged for.
I wish there was a Reston Virginia insurance company that offered some coverage for this but there isn’t. Do yourself a favor and make sure that you pay the $10-$15 coverage that the car rental agency offers you for this!
That may seem like all you have to worry about, but when it comes to that personal car insurance policy of yours, don’t set your limits low! If you do not only are you vulnerable for everything bad that can come, but you may not be able to get your hands on a car that suits your needs while yours is being repaired after an accident.
Let’s say you have a larger vehicle to get your family around, if you make sure that your coverage is well above the minimum then you can find a suitable replacement. This is another big reason to have higher limits with your car insurance policy.
Med Pay or medical payments is another one of the essential pieces of your Reston Virginia insurance policy. It gets cash flow moving to your doctor if there are any issues with your own medical insurance company. This will cover deductibles as well during your personal injury recovery when you might not be able to work.
You can’t forget about adding towing coverage onto your Reston Virginia car insurance policy. You need to have it be either reimbursement based, or one of the 1-800 call-in services. If you’re paying for anything else, odds are you are getting ripped off!
One of the last pieces you can’t ever forget is loss of wages coverage. It’s a great way to supplement your policy, and best of all it’s only a small premium, but it includes a small weekly payment to cover bills if you’re out of work in the hospital or injured.
The very final coverage you need to have put on is replacement coverage. The tricky term you might’ve heard of is Actual Cash Value which is what today’s value is, based on the wholesale value. This typically is less than the actual value, where the replacement is much higher. It is the value if you were to go and buy it from a dealership. Most companies offer this coverage, but sometimes with stipulations such as the vehicle must be 2 years old or less. Don’t expect the agent from the big insurance company to be excited to share this with you.
These are the main pieces to building a solid and supported insurance policy with all of the necessary coverage components. Before you make any decision on buying insurance, take some time to meet with the top independent agents in the Reston Virginia area. This will get you started and on a path to full protection with your coverage.
For a Reston Virginia insurance agent, I recommend Nick Genest who will gladly sit down and review your current policies at no charge, with no required commitment. You can see more about Nick at http://www.nothernvirginiainsurance.com.
The best board certified Reston Virginia personal injury attorney will be able to help you if you have been in a car accident, or if you have any questions about your insurance policy as well. You can ask Ben Glass a question at Justaskbenglass.com
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- I never once felt stressed during the process of pursuing the case, only confidence and a shared sense of being on the right side. You and your staff are truly remarkable.
- As a personal injury attorney and medical malpractice attorney in Virginia, I do not know a more ethical,professional,and aggressive when appropriate attorney in Northern Virginia.
- Ben Glass is a rare breed, he is an ethical lawyer with impressive integrity.
- I found Ben while searching for info on car insurance. He had done some videos with an insurance agent in Virginia that were really helpful when purchasing my first policy (can't be under mom and dad's forever!).
- I commend Mr. Glass for his excellent communications skills. Even a novice can understand his succinct, first-person narrative writing style.