Auto Insurance
At Coastal Valley Insurance, we help drivers throughout Hampton Roads and surrounding areas of Virginia find the right auto insurance coverage with confidence and ease. Whether you're insuring your first vehicle or reviewing your current policy, we take the time to explain your options and make sure you’re properly protected.
Auto insurance isn’t just about meeting state requirements—it’s about protecting you, your passengers, and your financial future in the event of an accident, damage, or unexpected loss.
What Your Auto Policy Can Cover
Understanding the types of coverages available under the Auto Policy is key. Here are the most common parts of an auto insurance policy and how they protect you:
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Covers injuries or damage you may cause to others in an accident. This includes:
Bodily Injury Liability – medical expenses, lost wages, or legal costs for others
Property Damage Liability – damage to another person’s vehicle or property
👉 Required by law and protects your financial responsibility
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Covers damage to your vehicle after an accident, regardless of who is at fault.
👉 Helps repair or replace your car after a crash
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Covers damage not caused by a collision, such as:
Theft
Vandalism
Fire
Weather (storms, flooding, falling objects)
👉 Protects your vehicle from unexpected events
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Covers you if you’re in an accident with someone who has little or no insurance.
👉 Protects you when others don’t have enough coverage
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Helps cover medical expenses for you and your passengers after an accident, regardless of fault.
👉 Provides immediate support for medical costs
| Coverage Type | Virginia Minimum | Recommended Coverage | Why It Matters |
|---|---|---|---|
| Bodily Injury Liability | $30,000 / $60,000 | $100,000 / $300,000 | Covers injuries to others in an accident |
| Property Damage Liability | $20,000 | $50,000–$100,000 | Covers damage to vehicles or property |
| Uninsured Motorist | Matches liability limits | Match higher liability limits | Protects you if the other driver has no insurance |
| Collision | Not required | Recommended if vehicle has value | Covers damage to your vehicle after an accident |
| Comprehensive | Not required | Recommended | Covers theft, weather, vandalism, and more |