The Four Most Common Myths About Car Insurance in Virginia

R. Clayton Allen, Personal Injury Attorney

Author: R. Clayton Allen, Personal Injury Attorney

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 the four of the most common:

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…

Read more

Will Your Insurance Premiums Go Up If You Report Your Auto Accident To Your Insurance Company? - VIDEO


Fredericksburg, VA personal injury lawyer Kathleen Smith explains why you should report an accident to your auto insurance company, whether it was your fault or not.


Will your insurance premiums go up if you report your accident to your insurance company? The simple answer is no. Insurance companies cannot increase your rates or cancel your policy simply because you were in an accident.

Three reasons why your auto insurance policy can be canceled

There are only three reasons why your auto insurance company can legally cancel your policy:

You don’t pay your premiums. Your license is suspended or revoked. Your insurance company no longer does business in your state. You should…

Read more

Look Out For The Other Guy - Uninsured and Underinsured Motorist Coverage


With the economy constantly in flux, it’s easy to find ourselves looking over our shoulder for what comes next. What comes next could be an out of control car coming into your lane.

There's not much you can do to prevent a car crash caused by someone else, but there is a lot you can do to protect yourself from the consequences of being hit by an uninsured or underinsured motorist.


The health of the economy has a direct connection to the number of uninsured cars on the road. According to The Insurance Research Council, for each 1% increase in the unemployment rate, there is a resulting ¾% increase in the uninsured motorist rate. In 2014, the average number of uninsured cars on the road in the United States…

Read more

Can You Understand Your Insurance Policy Simply By Reading It? VIDEO


As you take the next steps after an accident or injury, you may look for answers to your questions by reading your insurance policy. However, that document may not provide all the information you need to protect yourself and your loved ones.

Senior partner and trial attorney Coleman Allen describes the challenges you face when you read your insurance policy and try to understand it.


Insurance coverage is complex

Can you understand your insurance policy simply by reading it? The answer is no -  insurance coverage is a very complex area. Words that are used in your insurance policy have special technical meanings, and don't mean what they mean in everyday usage.

Some benefits aren't described…

Read more

Why do you need to see my auto insurance policy?

Author: Melinda H. South, Richmond Personal Injury Lawyer

In the wake of an auto collision, when a person is injured, it can be overwhelming with the mountains of paperwork generated by the medical providers, health insurance carriers and auto insurance companies. Understandably, new clients often have lots of questions about their claim and the process required to resolve it. One of the most frequent questions these new clients ask is: why do you need to see my auto insurance policy?

A person who is injured through no fault of their own can reasonably expect the at fault driver’s insurance company to compensate them for their claim. The insurance company for the at-fault…

Read more

Disclosing Insurance Policy Limits in Liability Claims – 5 years later


Author: Melinda H. South

It has been 5 years since the Virginia statute was enacted to require the disclosure of the motor vehicle insurance company policy limits of the tortfeasor (person who caused the harm) prior to filing a lawsuit. [1] This statute is very helpful to any one who has been involved in an automobile accident through no fault of their own. Only a handful of states have similar statutes. [2] The Virginia statute has specific requirements that must be met in order to obtain this information:

The request must conform to these requirements and include the following:1. Request must be in writing and must ask the insurer for policies that may…

Read more

Understanding a Motor Vehicle Insurance Policy: Can You Tell What Benefits You Are Entitled to Just by Reading the Policy Yourself?

Author: Attorney W. Coleman Allen, Jr.

The short answer to this question is an emphatic "NO!"  The answer is emphatic, because the language of the policy might not only be incomplete, but actually misleading.  Consequently you may miss coverage to which you are entitled that is not even described in the policy, and may in addition fail to recognize what coverage is provided, because some of the terms used in the policy have very different meanings than they do in everyday conversation.

The "Rules of the Road" concerning insurance coverage are provided by state rather than federal law in the United States, under the U.S. Constitution.[2] So the rights of injured motorists in policies issued for…

Read more

Why do I need an attorney to represent me in my personal injury case?

The insurance policy requires the person who caused your accident to contact the insurance company promptly. As soon as the accident is reported to the company, they begin an investigation and begin preparing to defend the company against your claim. Insurance company employees are knowledgeable about claims and are trained to make your claim cost the insurance company as little as possible.

You need someone knowledgeable working on your claim and looking out for your interests as soon as possible also. If you've been injured after an accident, you should consult an attorney right away. A lawyer can help you decide whether it is in your best interests to pursue a claim and how to do so.

What can a personal injury…

Read more

How Much Auto Insurance Should You Buy?

Author: Elizabeth Morrell Allen

How much automobile insurance should you buy? The answer is easy: As much as you can afford.

The primary reason to buy automobile insurance, both liability and uninsured motorist (UM) coverage, is to protect you and your assets. Your insurance company will almost never pay more in damages, to you or to a person you negligently injure, than the dollar amount of the coverage you paid for, no matter how high a verdict there may be either against you or for you. Sound complicated? I'll illustrate with two hypothetical examples, one involving liability insurance coverage and one involving underinsured motorist coverage.

Liability Coverage Example Suppose…

Read more

Should You Carry Medical Expense Coverage On Your Policy?

Kathleen M. Smith, Fredericksburg, VA Personal Injury Attorney

Author: Kathleen M. Smith, Fredericksburg, VA Personal Injury Attorney

Medical Expense coverage (sometimes known as "Medical Payments") is an optional coverage available on Virginia Automobile Policies. This coverage covers all reasonable and necessary medical expenses for injuries resulting from a motor vehicle collision, or even arising out of the use of a motor vehicle. Medical Payments coverage covers anyone named on the policy (the "named insured"), a spouse, and any relative residing in the household. It also covers anyone occupying a vehicle on the policy. It will pay the medical expenses regardless of any other insurance and regardless of who is at fault. Medical Expense coverage covers medical…

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