Motor Vehicle Insurance: What You Need to Know (Part 1)

Insurance is a contract between you and the insurance company. You pay money, which is called a premium, and the insurance company will cover you for various items when you have a motor vehicle accident. The insurance policy is long and complicated because of the various laws that govern said policies, but there are several key areas of coverage:

• Liability – This protects the person that causes the motor vehicle accident.
• Uninsured/Underinsured Motorist Coverage – This protects you if the person that causes the motor vehicle accident has no car insurance. Also, this coverage protects you in the event that the other driver has minimal insurance coverage.
• Property Damage – This takes care of the property damage.

Many people believe that they have full coverage with their motor vehicle insurance policy. There is no such thing as full coverage in Virginia for motor vehicle insurance.

Unfortunately, most people have no idea what type of insurance coverage they have to protect themselves if they get hurt in a motor vehicle accident and, even if they do have a rough understanding of their coverage, then they generally do not have enough coverage to protect themselves. It is important to have the adequate amount of insurance coverage to protect yourself.

The Norfolk based personal injury law firm, Cooper Hurley, handles automobile, truck, and motorcycle injuries. John Cooper and Jim Hurley have over 40 years of combined experience in handling auto injury accident claims. Attorney John Cooper has been named to Virginia “Super Lawyers” since 2010. Cooper Hurley represents people hurt in accidents in Norfolk, Virginia Beach, Portsmouth, Suffolk, Chesapeake, Hampton, Newport News and throughout VA, and always put the best interests of the our clients first.. The firm is recognized by other lawyers as “AV” by Martindale-Hubbell, a national attorney rating service, for our top level of legal skill and highest ethical standards. If you need help or advice about a serious injury, please call us ( 757) 455 -0077 or contact through this website.