Your car insurance policy may or may not include the following coverages. Coverage depends on whether or not you opt to purchase car insurance beyond what it required by Virginia, often called full coverage car insurance.
Your car insurance policy may or may not include the following coverages. Contact your independent NNINS agent to review your policy. You can find your agent's contact information on your policy documents or on your NNINS online member account.
- Liability coverage: Medical costs due to injury or death and repair costs for property from a car crash you caused.
- Uninsured or underinsured motorist coverage: Medical and repair costs from a car crash with an uninsured or underinsured driver.
- Collision coverage: Repair expenses from car crashes regardless of who is at fault.
- Comprehensive coverage: Repair costs from damage that occurred outside of your control, such as weather-related damage, theft, vandalism, and animal hits.
- Liability Coverage or personal liability insurance refers to coverage in the case of bodily injury or property damage to other people (or their stuff) as a result of your actions - at your home, and anywhere else.
- Medical payments coverage: Medical payments for you and your passengers regardless of who was at fault.
- Personal injury coverage: Medical expenses, lost wages, childcare, funeral costs, and other expenses from a car crash regardless of who is at fault.
- Loan/Lease coverage or gap insurance: The expense of the difference between your car’s true market value and what you owe on the car if the insurance carrier deems your car a total loss in a claim.
- Towing and Labor coverage: An optional coverage to help cover expenses associated with common roadside breakdowns like a flat tire, running out of gas, or a dead battery.