The Need
If you own a car in Virginia, you are required to carry automobile insurance. Even if your car or truck serves you well but isn’t worth a whole lot anymore, auto insurance is important. It covers you, your passengers and other motorists if the unthinkable happens.
What’s Covered?
We offer discounted rates for responsible drivers who have a homeowners, renters or landlord insurance policy with us. Our private passenger automobile program has got you covered coming and going.
- Coverage for your liability if you caused an accident.
- Legal expenses if you have to defend yourself in court.
- Cash up front to pay for initial minor injuries.
- Coverage to repair accidental damage to your vehicle.
- Coverage to repair physical damage from hail, fire, wind storms, etc.
- Coverage to make up for the full extent of your loss if an uninsured or underinsured driver injures you or damages your car or truck.
- Optional umbrella insurance to cover jury awards, out-of-court settlements and legal expenses in excess of your automobile insurance limits.
- Fast, face-to-face response. We settled 90% of Hurricane Isabel claims in 60 days and 90% of Ernesto claims in 30 days. We have independent agents in 185 locations throughout Virginia.
- Valued customer discounts. If you have both your homeowners and your automobile insurance with us, you get a 25% discount on your automobile policy and a 10% discount on your homeowners policy. If you haven’t had a ticket in three years, you may qualify for a 15% discount on your automobile insurance. And, we offer additional discounts to non-smokers and other responsible policyholders.
- Financial strength. The world’s largest and most authoritative source on insurance carriers’ financial strength and ability to pay claims, AM Best, rates us A- (Excellent). Demotech, a leading financial analysis and actuarial consulting firm, has rated Northern Neck Insurance Company A” Double Prime, unsurpassed in financial stability.
- Convenience. In addition to home and auto insurance, we offer boat, umbrella, home office, equipment breakdown, identity theft and extended replacement coverage. So you can get all of the coverage you need in one place, with one point of contact, when you have a claim or a question call your local independent insurance agent.
This is not an offer to contract. Policies contain limits, exclusions and conditions that are not listed here. For full details about your specific coverage, please consult with your agent and read your policy carefully.
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