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Coverage & Claims

If my husband backed into a parked car and put a tiny dent in a bumper that was already severely damaged, is he liable for the entire bumper?

Your husband should only be liable for the damage he caused. However, your insurance company will ultimately decide what they will and won't cover regarding the repair or replacement of the bumper.

Driving History
Eligibility
General Insurance

Do I have to list my disabled spouse on my Virginia auto policy?

Most, if not all, insurance companies require that any household members of driving age be listed on your policy. In most states, however, you have the option to exclude household members so they don't impact your rate and are not insured under your policy.

Car Insurance Costs

Are car insurance quotes free?

You should never have to pay for a car insurance quote. Since auto insurance is so specific to each person, it would be impossible for companies to advertise a set price to take out a policy.

General Insurance

Do I have to pay a deductible if I hit someone but my vehicle is not damaged?

In a case where you are considered at-fault in an accident, in Virginia, your deductible should only apply if your vehicle was damaged and you want it repaired by your insurance company. The only other time you should be subject to a deductible in Virginia would be if you are filing an uninsured motorist property damage claim.

Eligibility

How do I get a new policy if I'm between residences?

You will need a permanent address to get a policy with most companies so I would recommend using your previous address until you move to a permanent location. At that point, you can update the address on your policy.

Eligibility

How many cars can I list under one insurance policy?

The maximum allowable number of drivers and vehicles that can be insured on any particular car insurance policy will vary by company. While there is no set standard, most insurance companies will allow their customers to insure up to 4 drivers and 4 vehicles on a single policy.

General Insurance

Does a vehicle need car insurance if its in storage in Virginia?

In Virginia, if a vehicle is not registered, parked on private property, and not being driven then it does not have to be insured. Virginia law requires that a vehicle be insured before it is registered, so that's something to keep in mind if he wanted to drive this particular car at a later time.

Eligibility

Does having a handicap enabled car make a difference on your insurance?

Luckily, that new vehicle you're referring to will be looked at completely differently by your insurance company. With vehicles that have been modified outside of the factory, especially those for disability purposes, insurance companies will cover the vehicle up to the Actual Cash Value (ACV) and the custom equipment would be covered separately.

Car Insurance Costs
Coverage & Claims
Eligibility

Can I buy car insurance without owning a car?

Yes — you can purchase auto insurance when you don't own a car. This is referred to as a non-owners policy.

Car Insurance Costs

Why is my car insurance more expensive than last year?

Auto insurance is not immune to inflation or the rising cost of hospital visits and medical care. It is significantly more expensive to go to the hospital today than it was even 10 years ago; heck even the cost of milk or basic grocery items has risen a large amount.
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