Basic auto insurance is the least amount of coverage that you must have to be in compliance with the requirements of the state of Virginia. At Bacon Insurance Group in Richmond, VA, we have been providing personalized service to our customers for more than 25 years.
Basic insurance is right for some people but not for everyone
In Virginia, basic insurance is 25/50/20. What that means is $25,000 for one person injured in an accident where you are the responsible party, $50,000 for all the injuries if more than one person is injured, and $20,000 for property damage. This seems like a reasonable amount of coverage but, if someone is seriously injured, a hospital stay can be thousands of dollars a day. A higher level of coverage may be right for you.
If you have a car loan or if you lease your vehicle, you will need to have additional coverage. You need to protect the car which is not yours, you will need to cover it against damage, which means having collision and comprehensive coverage and full glass coverage.
If you are like most drivers, you count on your vehicle every day to do your normal activities like getting to work, grocery shopping, and all the other things that require you to drive. When you have an accident, will you be able to pay for the repairs that are needed to get your vehicle back on the road? Is your answer no? Then basic auto insurance isn’t the right option for you. Having collision and comprehensive coverage will get you back onto the road where you need to be without more than a deductible payment.
Get Auto Insurance Today
Contact Bacon Insurance Group in Richmond, VA for all your auto insurance needs. We can be reached on the phone, in person at our office, or through email.
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