Car Insurance for the Richmond, Virginia Area
Auto insurance is designed to protect your car in the event of damage, theft, or a break-in, but its primary function is actually to protect other drivers on the road. Every state has minimum liability coverage required for each car on the road, making sure that, in the event of an accident, damages are paid for. However, studies show that up to 40% of drivers are underinsured. Meaning that their bare-minimum coverage probably won’t help much in the event of an accident or damage to the vehicle, driver, or passengers.
Basics of Auto Insurance
Auto insurance protects you against financial loss in the event of an accident or theft. It provides coverage for:
Liability
– responsibility to others for bodily injury or property damage
Property
– damage to or theft of your car
Medical
– injuries, rehabilitation, and sometimes lost wages
Auto policies are usually issued for either six-months or one-year. Premiums can typically be paid monthly, quarterly, semi-annually, or annually.
Knowing Your Options
At LCA Insurance Group, we do the hard work for you. Comparing auto insurance policies can seem daunting, which is why we don’t make you worry about it. We’ll handle the comparison shopping and present you with easy-to-understand options, getting you the best coverage possible at the price you want to pay.
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