Auto Insurance

Auto insurance protects you from loss in the event of an unfortunate accident. It is vital drivers enroll in a dependable auto coverage program. Our team uses our car insurance strategies to make sure your coverage is highly dependable and relies on our comprehensive insurance products to custom-build a policy that meets all your car insurance needs.

We offer the following options for Auto Insurance

• Bodily Injury Liability – covers injuries to others caused by the policyholder while operating an automobile.
• Medical or Personal Injury Protection – covers treatment of the driver and passengers of the policyholder’s car in the event of an accident.
• Property Damage Liability – covers damages caused to someone else’s property by the policyholder while operating an automobile.
• Collision – insures the policyholder from loss during a collision with another vehicle or object.
• Comprehensive – protection for the policyholder’s car from damage and loss resulting from incidents other than collision.
• Uninsured Motorist Coverage – covers medical treatment of the policyholder’s injuries in the event of a collision with an uninsured driver.

1. Why did my auto insurance rates increase?

   Auto insurance rates can go up for a variety of reasons, including accidents, traffic violations, higher repair costs, weather-related claims, or changes in the local market. Even safe drivers in Pulaski may notice a change from time to time because broader insurance trends can affect pricing.

2. Does my insurance cover other drivers using my car?

   In many situations, your auto insurance follows the vehicle, not the person behind the wheel. If a friend or family member borrows your car with your permission, your policy may help cover a claim, but the details can depend on your coverage.

3. Does auto insurance cover hail damage?

   Yes, hail damage is usually covered under comprehensive coverage. That can be especially helpful in Virginia when storms roll through and leave dents, broken glass, or other weather-related damage behind.

4. Do good student discounts apply in Virginia?
   Many insurance companies offer good student discounts for eligible high school and college students in Virginia who maintain strong grades. The exact rules can vary, so it’s worth checking what discounts may be available.
5. What happens if my vehicle is totaled?

   If your vehicle is declared a total loss, your insurance company will typically pay the car’s actual cash value, minus your deductible. If you still owe money on a loan, you could be responsible for the difference unless you have gap coverage.

6. How is the value of a totaled vehicle determined?

   Insurance companies usually look at your vehicle’s age, condition, mileage, local market value, and similar vehicles for sale when deciding its value. If you’re in the Pulaski area, your claim settlement may reflect comparable vehicles in the local market.

7. Can I keep my vehicle after it is totaled?

   In some cases, yes. You may be able to keep a totaled vehicle, but the claim payment is typically reduced, and salvage title rules can apply in Virginia.

8. What vehicles are cheapest to insure for teens?

   Teens are often cheaper to insure in vehicles with good safety ratings, lower repair costs, and moderate engine power. For families in Pulaski and nearby areas, practical vehicles usually make more sense than sporty or high-performance ones.

9. What is SR-22 insurance?

   SR-22 is not actually an insurance policy. It’s a form filed with the state to show that a driver has the required coverage, and it may be needed after serious violations like a DUI or driving without insurance.

10. Does a speeding ticket affect insurance rates?

    Yes, a speeding ticket can raise your insurance rates because it may signal a higher risk to the insurance company. The exact impact depends on how fast the driver was going, the driving record, and the carrier’s guidelines.

11. Does driving in the mountains around Pulaski affect auto insurance needs?

    It can. Rural roads, sharp curves, wildlife crossings, and winter weather can all make coverage choices more important for drivers in the Pulaski area.

12. What coverage does Hodge Insurance recommend for everyday drivers in Pulaski?

    That depends on your vehicle, budget, and how much protection you want, but many drivers benefit from reviewing liability, comprehensive, collision, and uninsured motorist coverage together.

    
    We understand you want to be fully covered for a wide range of auto risks, yet at the same time, keep premiums and expenses in mind. That’s why our insurance professionals are committed to helping you find the best auto insurance and making you and your unique needs our top priority!Our agents look forward to helping you find affordable and comprehensive coverage. For more information, Contact Us today!