Best Local Car Insurance Agencies in Hampton

Frequently Asked Questions

• Introduction

  A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.
  

• What is the primary requirement of Virginia's § 38.2-2206 law concerning uninsured motorist coverage for vehicle policies in Hampton?

  According to Virginia Code Section 38.2–2206, an auto liability insurance policy in Hampton must include coverage against uninsured motorists. This coverage should at least match the limits defined in Virginia Code Section 46.2-472. However, it can't exceed the policy's liability limits unless a named insured declines the additional coverage following the protocol in subsection B of Virginia Code Section 38.2-2202.

• If someone in Hampton pays the $500 UMV fee to the DMV, does it give them insurance coverage for their vehicle?

  No. In Hampton, the $500 UMV fee doesn't include insurance coverage. It merely permits an individual to drive their uninsured vehicle at personal risk. This fee aligns with vehicle registration and requires renewal each cycle. If one's vehicle gets into an accident, another driver has the right to report the uninsured status of that Hampton-based vehicle to the DMV. This fee ensures legal driving without providing any liability protection.

• What are the repercussions in Hampton for driving a car without proper insurance coverage or not paying the $500 uninsured motor vehicle fee?

  In Hampton, failing to pay the $500 uninsured vehicle fee or driving without adequate insurance can result in a $600 noncompliance fee. Additionally, individuals may experience restrictions on their driver's license and vehicle registration. They'll also face a $45 fee to reinstate these privileges and must provide evidence of auto insurance and a commitment to financial responsibility (through the SR-22 Form) for at least three years.

• How can multiple accidents or moving violations in Hampton impact one's insurance premiums and driving privileges?

  In Hampton, drivers with several accidents or moving violations can see a notable rise in insurance premiums. The 3 Strikes Law mandates that those with three or more convictions undergo a Driver Improvement Program before resuming driving. Even for drivers with stellar records, a single violation might result in a spike in car insurance rates, possibly by as much as 30%.

• What are some optional insurance coverages Hampton drivers might consider for better protection?

  In Hampton, drivers often opt for higher limits to safeguard assets against serious uninsured incidents. Additional popular choices include:

  • Comprehensive and collision: For damage from accidents, theft, or events like fires.
  • Medical and income benefits: Covers injury-related costs in your car or as a pedestrian.
  • Transportation expenses: Provides rental and loss-of-use coverage within set limits.

• What is car insurance?

  Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.