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Why Is My Williamsburg Virginia Automobile Policy So Long And Complicated?
You’re absolutely right; it’s confusing to say the least when it comes to reading your insurance policy from top to bottom. However we can’t exactly blame the insurance companies for the length of this, much of the language is required by law. From one insurance company to another, the differences between policies as far as structures goes is minimal at best. But the real question here is, what do I need to be looking for?
Look out for these two things, and make sure you’re fully covered!
Top up on your Liability Coverage. Great, you decided to take on some form of auto coverage. You’ve taken the first step in the right direction, but do you have enough to cover you in a severe accident? The Commonwealth of Virginia only requires minimums, and that’s IF the driver even elects to get insurance!
Max out the uninsured and underinsured coverage. Since the legal minimums in the state of Virginia for car insurance are super low, if you’re ever in a car wreck and the person that hits you is uninsured or has the bare bones in coverage they may not be able to pay you what you’re due. This happens more than you would like to know, and leaves plenty of people in the hospital recovering, where they have a longer financial recovery road ahead of them because the person that hit them couldn’t pay for their hospital bills!
Why doesn’t your insurance company make it a point to have you cover these gaps in coverage? Well, the small amount you would pay extra for a large amount of coverage doesn’t help them out! They would prefer you have good coverage – so they don’t collect that little bit of extra insurance policy profit, and take on a larger risk!
For more useful legal information click on this link to access a free sample chapter of The Five Deadly Sins That Can Wreck Your Injury Claim.
If you have a question for Ben, you can submit it confidentially online 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.
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- 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!).
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