Auto insurance in Richmond, VA, requires bodily injury coverage to help cover the cost of medical bills if another person is injured in an accident. This coverage ensures you won’t be held financially responsible for all expenses.
State Minimum
Virginia mandates minimum bodily injury coverage requirements to ensure adequate protection for medical bills. Insurance policies must include $50,000 for injuries or death involving one person and $100,000 for injuries or death involving more than one person. These minimums are standard for policies offered by companies like Bacon Insurance Group.
Additional Coverage
While the state minimum may seem sufficient, many people opt for additional bodily injury coverage to avoid being responsible for medical bills that exceed their policy limits. Serious auto accidents can result in costly medical expenses that quickly surpass the minimum coverage.
For example, a care flight to a nearby hospital can cost around $50,000 if publicly funded MedPolice air support is unavailable. Once those limits are exceeded, additional expenses such as imaging tests, surgeries, and long-term therapies can add up. Even relatively inexpensive procedures, like X-rays, can cost up to $170, while whiplash treatments requiring extended care can cost tens of thousands of dollars. Since the financial impact of an accident is unpredictable, upgrading your bodily injury coverage before an emergency occurs is a wise decision.
At Bacon Insurance Group, we understand the importance of having comprehensive coverage that fits your budget and meets your needs. Our team will review various policy options with you to find a solution that meets your needs. Contact us today to learn more. We proudly serve the Richmond, VA, area.
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