Bodily Injury
If the policyholder or another driver covered by the Virginia policy is found to be at fault in an accident resulting in injuries or fatalities, the following is covered under bodily injury coverage:

• Medical expenses
• Lost wages
• Pain and suffering
• Legal defense if the drivers listed on the policy are involved in a lawsuit resulting from a car accident

Bodily injury coverage pays for damages caused to a third party.

How much protection does this coverage provide?
The dual coverage limits you select in your Virginia auto insurance quote refer to the maximum amounts that will be paid per person, per incident, respectively.

Property Damage
If you or another covered driver is found to be at fault in an accident, the following is covered under property damage coverage:

• Damage to another person's property (e.g., fence, car, or home)
• Legal costs associated with a damage incident

How much protection does this coverage provide?
The coverage limits you set in your Virginia auto insurance quote refers to the maximum amounts that will be paid per accident.

Uninsured/Underinsured Motorist Bodily Injury
Uninsured/underinsured motorist coverage is mandatory in the state of Virginia. This coverage pays for medical expenses, lost wages, and other general damages when policyholders, authorized drivers, or passengers are injured in an accident caused by a driver who has no insurance or insufficient coverage. Uninsured/underinsured motorist coverage may also pay for injuries sustained in hit-and-run accidents.

If the other driver is uninsured, this coverage generally pays up to the limit you purchase. If the driver is underinsured, this coverage typically pays any difference between what the other driver's insurance covers and what your bodily injury coverage will pay.

The dual coverage limits refer to the maximum amounts that will be paid per person, per accident, respectively. If the limits you purchase are lower than an accident's costs, you will be responsible for paying the amount over your limits, unless you are covered by health insurance.

When you select your limits, please note that, if you are insuring multiple vehicles, you must carry the same uninsured/underinsured motorist bodily injury limits on each car. Limits for this coverage cannot exceed the limits you select for bodily injury coverage.

Uninsured/Underinsured Motorist Property Damage
Uninsured/underinsured motorist property damage coverage is mandatory in the state of Virginia.

What’s covered?
This coverage provides protection if the covered vehicle is damaged in an accident caused by a driver who has insufficient or no insurance coverage.

How much protection does this coverage provide?
If the other driver is uninsured, this coverage pays up to the limit you select. If they are underinsured, this coverage pays the difference between your coverage limit and the other driver’s property damage coverage limit.

The coverage limits you see in your quote refer to the maximum amount that will be paid per incident.

If you ever file a claim, you’ll be responsible for paying a $200 deductible regardless of the limit you choose. (A deductible is the portion of a claim that you’re responsible for paying.)

Medical Expense
Medical expense is an optional auto insurance coverage in Virginia that pays for medical and dental treatment, hospitalization, professional nursing services, prostheses, and funeral expenses if a covered driver and/or accompanying passengers are injured while in an insured vehicle, regardless of who is at fault in the accident.

Medical expense may also cover policyholders and their family members when they are injured while riding in someone else's car or if a car hits them while on foot or bicycling.

If you and your regular passengers already have health insurance that covers similar expenses, medical expense coverage may be unnecessary. Check your health insurance policy for details.

The coverage limit refers to the maximum amount that will be paid per person, per accident.

Income Loss Limits
Income loss is an optional coverage in the state of Virginia. This coverage helps you, drivers listed on your policy, and your passengers recover your lost wages if you are unable to work due to accident-related injuries.

This coverage pays up to $100 per person, per week. If you’re insuring more than one vehicle, these limits increase with each additional car you insure. For 2 cars, your limit is $200 per person, per week; for 3 cars, your limit is $300 per person, per week.