Automobile Insurance

We have different coverage options for automobile insurance to suit the needs of each individual. Our wide variety of Insurance carriers makes it possible to give you the best coverage at a reasonable price. Our automobile policies cover:

  • Young Drivers
  • Adult Drivers
  • International Licenses
  • Permits
  • SR22/FR44 filings
  • High Risk Drivers
  • Drivers with Restricted Licenses
  • Suspended Licenses

Coverage Options:

Liability Coverage

Every State has a minimum coverage limit for Automobile Liability. Higher liability limits are available at an additional cost. It is recommended to consider higher liability limits to protect you and your assets in the event of an accident. Liability coverage pays for bodily injury and property damage to others, for which you are responsible. In the event of a suit, it will also pay to defend you and court costs. Lost wages, medical expenses, pain and suffering, are additional costs that are covered under Liability coverage.

Medical Expenses

This is an optional coverage in Virginia. Medical costs cover those injured in an accident for reasonable and immediate medical expenses. There is no deductible and coverage is based on the amount available on the policy. This coverage is good and is available at an affordable price.

Comprehensive Coverage
Covers Damage from:

  • Fire
  • Theft
  • Vandalism
  • Hail and Wind
  • Animals
  • Broken Glass
Collision Coverage

Damage to a covered vehicle caused by a roll over, coilision with an object or property or collision with another vehicle are covered under Collision Coverage. This is an optional coverage and is recommended if the automobile has value and the coverage is essentiai if the automobile is financed.

Uninsured Motorist vehicle Coverage

In Virginia this coverage forms part of the liability coverage and has a fixed deductible of $200.00. lnjury or property damage caused by an uninsured vehicle or in the event of a hit and run, uninsured motorist coverage will pay for medical expenses, lost wages and property damage up to the extent of coverage available on the policy.

Rental Coverage

In the event you have a claim under Comprehensive or Collision Coverage, you will have access to a rental car. This coverage is optional and is generally available when the automobile has Comprehensive and Collision coverage. It is good to have this coverage as it gives you a replacement car and you are able to continue your routine without interruption. Rental reimbursement is available up to the extent of rental coverage on the policy.

Towing or Emergency Road Service

This coverage is optional. Emergency Road service provides towing your vehicle from the place of breakdown to the repair facility or getting it out of the location where it is disabled. Towing coverage also helps with changing of tires, locksmith services, jump starting the car and delivery of gas.

Loss of Income

This coverage pays a nominal amount of $100.00/week for 52 weeks in case you are injured in an accident and are unable to work. The premium for this coverage is reasonable and the coverage is optional.

Accidental Death and Dismemberment – AD & D

In the event of accidental death and dismemberment due to an accident, the insured/estate is paid up to the amount of coverage available on the policy.

For more information contact us at 703-820-3100 or email: Firstcolumbia10@aol.com

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5985 Columbia Pike, Suite 100
Falls Church, Virginia 22041
OFFICE HOURS
MONDAY- FRIDAY: 9.00 A.M - 5.00 P.M.
SATURDAY AND SUNDAY: CLOSED
EMERGENCY NOS.:
CELL:  571-481-0078
PH:     703-820-3100
EMAIL:   Firstcolumbia10@aol.com
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