Will this accident affect my insurance premium?

Ryan E. Wind, Mechanicsville, VA Personal Injury Attorney

Author: Ryan E. Wind, Mechanicsville, VA Personal Injury Attorney

One of the most frequent questions I receive from new clients is, "how will this accident affect my insurance premium?"  If the accident was not the client’s fault, then the answer is simple: it will not affect that client’s insurance premium.   

Insurance premiums and accidentsWhy do people believe that using their insurance to help cover an accident will cause their premiums to rise? The exact reason for this belief is unclear; perhaps the insurance company has scared its customers about using their own coverage. Or, perhaps people have heard that others had their…

Read more

Will my insurance company raise my rates if I need to use my coverage after an accident?


Author: J. David “Dave” Douthit, Esq., Richmond, VA Personal Injury Trial Lawyer 

There are a number of circumstances in which a person might want or need to use their own coverage after a car accident, even if someone else is at fault for causing the accident.  For example, a person might want to use their own collision coverage for medical expense coverage.  Or if the at fault driver is uninsured or underinsured, a person might need to use the uninsured or underinsured coverage on their own policy.  It’s also possible that an injured person might need to make one or more of these claims using the coverage provided by an insurance policy belonging to a relative who is a resident of the injured person’s…

Read more

The Benefits of Having Med Pay or Medical Payments Coverage on your Insurance Policy - VIDEO


Fredericksburg, VA based personal injury attorney Kathleen Smith answers the question: “What is medical expense coverage and why should you have it?" and discusses why auto insurance is important.


What is medical expense coverage and why should you have it?

Medical expense coverage, sometimes referred to as med pay, is an optional coverage available for you on your automobile insurance policy. It protects you in case you don’t have health insurance, but you’re injured in an accident, whether it’s your fault or not. It will not only cover you, it’ll cover anyone in your family, and anyone who happens to be in your vehicle at the time of the collision.

Why is medical expense…

Read more

Who Is My Case Against – The Other Driver, Their Insurance Company or My Insurance Company?


Author: Robert C. T. Reed, Richmond, Va Personal Injury Attorney

People who have been harmed due to someone else’s careless conduct often know they have a right to be compensated for their injuries. But, the source of that compensation can be unclear to those who have not had such a claim before. 

For instance, take a motor vehicle collision between two vehicles without passengers.Both drivers have automobile insurance, and one driver is at fault and the other driver is injured. In this example, the injured driver has a legal right to recover compensation from the at fault driver. The injured driver’s “claim” can include medical bills, lost wages, pain, suffering, inconvenience, and mental anguish. …

Read more

New Med Pay Statute Shields Insureds from Deceptive Billing Practices

Derrick L. Walker, Richmond, VA Personal Injury Attorney

Author: Derrick L. Walker, Richmond, VA  Personal Injury Attorney

For years, our firm has encouraged clients to evaluate their automobile insurance policies and to consider adding or increasing various coverages.  Among the coverages we typically advise clients to consider adding or increasing is medical expense benefits coverage, which is commonly referred to as “med pay.”  Med pay is an invaluable part of any insurance package because it pays medical expenses for you and any passengers in your vehicle during an accident.  The coverage extends to the named insured and certain family members residing in the insured’s household if they are injured while they are passengers…

Read more

Myths about Virginia Auto Insurance

By Attorney R. Clayton Allen

While talking to a client today about their auto insurance, I was reminded of a number of misconceptions and misunderstandings many people have about motor vehicle insurance. Here are four of the most common ones I hear.

Myth #1. "The better known insurance companies offer better coverage, so it's safer to be with one of those."

The Virginia State Corporation Commission (SCC) Bureau of Insurance issues a form "family automobile insurance policy". (1) All consumer family auto insurance policies sold in Virginia must provide the coverage specified in the form policy. If a policy offers less, Virginia law provides that the policy is "deemed" to…

Read more

Tel : (804) 353-1200
Fax : (804) 257-7599
37.580754 -77.493777
Tel : (804) 733-8753
Fax : (804) 733-8767
37.225366 -77.406431
Tel : (804) 746-4900
Fax : (804) 746-2315
37.609968 -77.353275
Tel : (540) 786-4100
Fax : (540) 786-9585
38.292658 -77.522033
Tel : (804) 836-1170
Fax : (804) 836-1189
37.65165 -77.615287
Tel : (540) 657-9222
Fax : (540) 657-9522
38.476396 -77.421376
Tel : (804) 745-1200
Fax : (804) 745-8997
37.410489 -77.648702
Tel : (434) 295-4961
Fax : (434) 284-4299
38.087828 -78.471035