Right Protection . . . Right Price

For most people, dealing with auto insurance can be a confusing hassle. At Leech & Hicks, we understand that . . . and we are here to make it as easy as possible for you.

There is much more to buying auto insurance than just protecting your car, or only having what is required. Auto insurance can save not only your assets, but your future, as well.

Our goal is to provide you with coverage that is personalized and right for you. A lot of people opt for just the basic coverage, and some want much more. Unfortunately, many of them don’t explore their coverage options and end up not realizing what their policy actually provides.

That is where having Leech & Hicks as your agent will benefit you for life. We will explain the different types of coverage and let you decide what fits your needs and budget. We are not here simply to sell you something . . . we want you to be informed, educated, and comfortable with the coverage you select. Most of all, we want you to be protected.

lynchurg va auto insuranceRequired Coverages:

All Virginia drivers are required to have the following coverage and minimum limits on their policies:

Liability coverage

  • $25,000 in bodily injury liability coverage per person
  • $50,000 in bodily injury liability coverage per incident
  • $20,000 in property damage liability coverage per incident

Uninsured/underinsured motorist coverage

  • $25,000 in bodily injury coverage per person
  • $50,000 in bodily injury coverage per incident
  • $20,000 in property damage coverage per incident

If you’re found at fault in an accident, liability coverage can help pay for others’ medical expenses and damaged property. Uninsured/underinsured motorist coverage can help pay for medical and repair costs for you and your passengers if you’re involved in an accident caused by a driver without sufficient liability insurance coverage.

Coverage Definitions:

Bodily Injury Liability (BIL): pays for medical and legal protection should you or another insured on your policy cause bodily injury to another person while operating your vehicle. The “limit” is the maximum amount your insurance company will pay for bodily injury damages.

lynchburg va car insurance ratesProperty Damage Liability (PDL): pays for damage to another’s property caused while operating your vehicle. This covers damage to property such as vehicles, poles, fences, etc. The “limit” is the maximum amount your insurance company will pay for property damage.

Uninsured Motorist Coverage: pays for bodily injury and, in certain states, property damage sustained by you and other passengers in your covered vehicle in an accident for which the person legally liable does not have auto liability insurance or cannot be identified. In some states it also includes coverage for damages caused by at-fault drivers who have insufficient insurance to pay your claim.

Optional Coverage:

There is additional coverage in Virginia that gives you added financial protection and peace of mind if you ever need to file a claim:

  • Other than Collision coverage (aka Comprehensive Coverage)
  • Collision Coverage
  • Medical Expense Coverage
  • Income Loss Coverage
  • Emergency Roadside Service
  • Transportation Expense (like Rental Car Coverage)