• Virginia Auto Insurance Coverage
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Virginia Auto Insurance Coverage

Nationwide makes it easy to find affordable Virginia auto insurance options to keep you and your car protected. Learn about the available options so you can select the coverage and features that fit your needs.

Virginia car insurance coverage your policy must include

Liability coverage is required

There are two types of liability coverage available:.

• Bodily injury safeguards your assets if you’re found legally responsible for a covered accident, including certain expenses associated with bodily harm sustained by the other party.
• Property damage safeguards your assets if you are found legally responsible for a covered accident, including property damage sustained by the other party.

When you buy Virginia auto insurance coverage, you’ll need at least the required state minimum amount: $25,000/$50,000/$20,000. So in the event of an accident, you’ll get up to $25,000 coverage for bodily injury to one person per accident, $50,000 coverage for bodily injury to two or more people per accident, and $20,000 in property damage coverage per accident.

Liability coverage also provides for your legal defense expenses if you are sued as a result of a covered accident.

• Uninsured and underinsured motorist – Protects you in the event of an accident where the other party is at-fault and either doesn’t carry insurance or is underinsured.
  • Property damage helps pay for property damage to your vehicle that you are legally entitled to from another driver who is not insured or is underinsured.
  • Bodily injury helps pay for damages due to bodily injury that you and other passengers of your vehicle are legally entitled to from another driver who is not insured or is underinsured.

Virginia auto insurance coverage that’s smart to have

Though full coverage auto insurance in Virginia is not mandatory, you may want to consider adding the following coverages and features to your policy. We offer several affordable options to give you peace of mind both on and off the road.

• Comprehensive − Covers damage to your vehicle not caused by collision or upset. Examples include damage or loss resulting from contact with animals, theft, fire, vandalism, glass breakage along with other non-collision related accidents.
• Collision − Covers damage to your vehicle resulting from a collision with another vehicle or object.
• Medical expense and income loss benefits – May cover necessary medical expenses for you or others covered under the policy, no matter who is at fault.

Tailor your policy with additional Virginia auto insurance coverage options

• Accident Forgiveness – With this optional coverage, Nationwide will not raise your auto insurance rates following your first at-fault automobile accident. Learn more about Accident Forgiveness .
• Nationwide Roadside Assistance – Nationwide Roadside Assistance coverage is available in two different levels, Basic and Plus, so you can choose the one that works best with your budget. Get covered for fuel delivery, lockout service, jump-starts and more.
• New Car Replacement Plus – Replaces your new vehicle under a total loss with a new or comparable vehicle. Also provides gap coverage for any amount you may owe that’s above your car’s actual cash value.
• Loss of use – If you can’t drive your car due to a covered loss, this coverage helps pay for a rental car or other transportation expenses so you can get back on the road.

_{Average annual savings based on Nationwide policyholder data collected nationally through July 2007 for customers who switched to Nationwide.}

_{Insurance terms, definitions, and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies, and/or declaration pages which control coverage determinations. Such terms may vary by state and exclusions may apply.}