Auto Insurance



Auto insurance coverage has two parts, liability and physical damage. The liability section covers your financial responsibility for injury to others and property damage. The state of Virginia requires liability coverage for all vehicles that have active tags with the DMV. The physical damage covers the vehicle itself. The physical damage is broken into comprehensive and collision, often referred to as full coverage. Comprehensive coverage reimburses losses from fire, theft, vandalism and acts of God (examples include hitting a deer or a rock hitting the windshield). Collision coverage pays to repair losses to your vehicle in an accident. There are also extra coverages such as medical, car rental and towing that may be added under an auto policy.