Need Insurance in Virginia? Let Us Help.

EMAIL US:   Michael Dove  |  Elaine Dove  |  Joshua Dove

At Dove Insurance Agency our family of Independent Agents are dedicated to serving you and working with your lifestyle. We’ll educate you on the coverage you need to keep your property and family secure, no matter what the future brings.

Short on time? Start an online quote with us today!

Instead of working for one big company, our family of Independent Agents represent multiple insurance providers. This allows us to compare rates and coverages so you’ll get the best coverage-to-value policy available.

We’re here to serve you.

Blacksburg • Christiansburg • Salem • Radford • Roanoke 

And the best part, we’re here for you when needs arise such as policy changes, billing questions, reporting claims, questions regarding coverage, or comparing quotes. 

Let us help.

Can You Reinstate A Cancelled Insurance Policy?

Insurance policies—home, auto, motorcycle, etc..— can cancel for many reasons. And the most likely cause is for non-payment. So can you reinstate a cancelled policy? To put simply: yes, but it depends on your carrier and the specifics of your policy situation.

For starters, personal insurance policies will cancel on the specified cancellation date at 12:01 AM of that day. For example, if your personal policy is set to cancel on Oct. 1st for non-payment then your policy officially cancels at 12:01 AM on Oct. 1st.

Depending on your insurance carrier you may be able to reinstate your policy. Typically you’ll be required to sign a statement of no loss, which if applicable states that you have had no losses since your policy has cancelled and the requested time of reinstatement.

There are many other factors that can affect the specifics of your situation. Some carriers may charge a reinstatement fee. Depending on the length of time between your cancellation and requested reinstatement, the amount to reinstate could be higher than your previous bill.

If your policy has cancelled for non-payment or is about to cancel the best advice is to contact your independent agent or insurance carrier. At Dove Insurance, we can walk you through your options.

Serving the Commonwealth of Virginia For Over 50 Years!

At Dove Insurance Agency our family of Independent Agents are dedicated to serving you and working with your lifestyle. We’ll educate you on the coverage you need to keep your property and family secure, no matter what the future brings.

Instead of working for one big company, our family of Independent Agents represent multiple insurance providers. This allows us to compare rates and coverages so you’ll get the best coverage-to-value policy available.

We’re here to serve you.

Blacksburg • Christiansburg • Salem • Radford • Roanoke 

And the best part, we’re here for you when needs arise such as policy changes, billing questions, reporting claims, or questions regarding coverage. 

Let us help.

What’s the Least Amount of Auto Insurance Coverage Required?

Every states require drivers to carry a minimum level of auto insurance. However, those minimums vary from state to state.

Virginia’s State Minimums for Auto Insurance

Virginia’s state laws require all drivers to carry a minimum liability insurance policy of $25,000/$50,000/$20,000, unless a higher amount is specified by Virginia DMV (For example, if you need an FR-44).

The above amounts are read as bodily injury up to twenty-five thousand dollars a person and fifty thousand dollars per accident, whereas property damage coverage must be maintained at twenty thousand dollars per accident. Uninsured motorist coverage must include twenty-five thousand dollars per person and fifty thousand dollars per accident, and twenty thousand dollars per accident.

Higher Limits Are Available

While the minimum state requirements are just that—the minimum— it’s recommended to purchase higher limits to help protect your assets.

For example, if you’re a homeowner then you should purchase no less than $100,000/$300,000/$100,000 limits. If you have higher valued assets (such as rental homes, RVs, etc..) or have higher exposures, higher limits are generally recommended, perhaps combined with an umbrella policy.

MULTIPLE CARRIERS, MULTIPLE COVERAGE OPTIONS

Whether you need new coverage or have questions about your existing policy, we have answers.

  • Do you know how far your current coverage extends in the event of an accident?
  • Is your Bodily Injury Liability limit enough to protect your assets?
  • Do you currently have the right comprehensive & collision coverage for your vehicle?
  • How much do you pay out of pocket before a claim is covered?
  • Will your policy cover a glass claim?

Bodily Injury and Property Damage Liability  This covers your legal liability for a covered accident that involves injury to another person or damage to someone’s property, up to the limit of liability you select.

Uninsured Motorist Coverage.   This provides protection against uninsured drivers and is available in form of uninsured bodily injury and property damage. It’s meant to compensate for the repair and replacement expenses from under/uninsured motorists.

Collision Coverage.   This takes care of all expenses incurred, minus the deductible, in the form of repair and replacement costs at the time of the accident.

Comprehensive Coverage.   Also known as Other Than Collision Coverage, this is meant to cover the damages that occur or might have occurred because of events other than accidents. These events could be a flood, fire, theft, vandalism, glass, collision with an animal, floods and other natural disasters.

Plus many options, and some unique to specific carriers, such as Towing and Roadside Assistance, Rental Car Coverage, Income Loss, New Car Replacement, Pet Injury and Medical Payments.

Discounts

Safe Drive, Accident Forgiveness, Diminishing Deductible, Multi-policy/Multi-car, Homeowner/Renter, Pay in Full, EFT/Paperless, New Car Replacement, Education, Employment, and much more!

We’re Here to Help

At Dove Insurance Agency, our family of Independent Agents are dedicated to serving your auto insurance needs. We will help educate you on available coverages, and how much you need for your vehicle.

No matter where you live in Virginia, we have an auto insurance policy to fit your situation.

Contact us today at 540-382-4277

Short On Time? Try An Online Insurance Quote

Keeping a schedule these past few weeks has gone out the window. Virginians are amid a global pandemic that ebbs and flows with the latest news and updates.

There’s optimism, and equal parts caution. And while the future isn’t 100% clear yet, life is slowly beginning to normalize.

Dove Insurance Agency, like a lot of Virginia businesses, is local. We’re part of the New River Valley community and have been for over 50 years. We’re family owned and operated, and try to keep insurance simple and personal.

Our office in Christiansburg, VA is still open normal business hours. If you prefer an in-person meeting simply stop by. No appointment needed.

If you’d like to give us a call, text, or e-mail we’re still able to provide full quoting and customer service (including payments over the phone).

If you’re a new customer or an existing one that needs a new insurance product, try our Online Quote Tool.

It’s simple to use and connects your insurance request with our Family of Independent Agents. You can quote personal lines, such as home and auto, or coverage for your Virginia business.

As always, we hope everyone stays safe this summer!

What is Other Than Collision Coverage?

Options are abound when it comes to your Virginia auto insurance policy. While liability coverage and uninsured/underinsured motorist coverage are required by state law, other coverage options are just that—optional.

For example, Other Than Collision coverage (sometimes referred to as comprehensive coverage) covers your vehicle from losses such as fire, theft, wind, hail, lighting, vandalism, and if you hit a animal (or an animal hits you!).

Coverage is paid up to the Actual Cash Value of your vehicle at the time of loss minus your policy deductible. Don’t know how your vehicle is worth? A good starting place are reputable services, such as KBB.

Other Than Collision coverage is typically less expensive than Collision coverage. And depending on the value of your vehicle, you may which to keep Other Than Collision on your policy even if it’s an older vehicle or the loan has been paid off.

It’s important to note that some carriers have restrictions on placing Other Than Collision coverage on specific vehicles, such as:

  • The vehicle has a branded or rebuilt title
  • Has prior damage
  • Is over 20 years old

Always ask your Independent Insurance Agent if coverage is available on your policy.

What is Other Than Collision Coverage?

Serving the Commonwealth of Virginia For Over 50 Years!

Working with our Family of Independent Agents constitutes a promise, from our family to yours. We are here to educate you on how to keep covered and secured, no matter what the future may hold.

Our family of Independent Agents will find the best package for your needs. We represent multiple insurance providers and we work for you!

No Matter Where You Live In Virginia!

Learners Permit & Auto Insurance

Congratulations, your child is now old enough to get their learners permit and start driving! Where does the time go?

Now that you have a young driver in the household you might be thinking “how will this affect my auto insurance?”

For starters, if your son or daughter gets their learners permit you need to tell your insurance company. Most carriers do not rate for a driver with a learners permit. Only when they’re licensed are they rated as a new driver.

To add a driver with a learners permit to your policy, we’ll need their name, birthday, and license number (their customer number with VA DMV will be their license number.)

And that’s it!

If your child is an A/B student then a good student discount will applied once they’re licensed.

Serving the Commonwealth of Virginia For Over 50 Years!

At Dove Insurance Agency our family of Independent Agents are dedicated to serving you and working with your lifestyle. We’ll educate you on the coverage you need to keep your property and family secure, no matter what the future brings.

Instead of working for one big company, our family of Independent Agents represent multiple insurance providers. This allows us to compare rates and coverages so you’ll get the best coverage-to-value policy available.

We’re here to serve you.

3 Auto Maintenance Checks You Should Do This Year

Another year has come and gone, and your car is in desperate need of maintenance services. At Dove Insurance Agency, the quality and safety of our customers is important, which is why we are offering you the following reminders. Below are three auto maintenance services that our Blacksburg, VA clients should consider this year to keep their car performing. 

Change Your Power Steering Fluid

Depending on how old your car is, the power steering fluid may have never been changed. If so, it is time to flush the old fluid and have fresh fluid flowing. This fluid is designed to keep the power steering operational and allow you to turn your vehicle left and right with no effort at all. 

Have Your Tires Inspected

What kind of life do you have left on your tires? If it has been a few years since you last got tires, it is time to check their wear and tear. Have a certified technician inspect the tread level and purchase new tires if those you have are running low on tread. The smoother the tire the more dangerous they are when driving. 

How’s the battery?

Every few years, it is time to get a new battery for your car. They can easily be inspected at a nearby shop or parts store for their life quality. If it is below 80%, then it is time to get a new one with a warranty. 

Add Auto Insurance to these Maintenance Services!

While you are having your car inspected and serviced, it is time to check on a new auto insurance policy. If you live in the Blacksburg, VA area, you can use our online rating tool or call our agents at Dove Insurance Agency today for more information about the policies we offer. Let us help you get a quote.

3 Things to Remember When Driving in Cold Weather

Cold weather can wreak havoc on the roads. While snow and ice are visible signs that we can watch for when we drive, but other signs aren’t so easy to see but can be equally dangerous. At Dove Insurance Agency, the agents offer advice to their clients in Blacksburg, VA when it comes to staying safe on the roads during the winter months.

Bridges Freeze Faster Than Roadways

Because air is continuously flowing above and below bridges, their surfaces tend to freeze over faster. This can mean slick spots that will send you spinning out of control if you hit them too fast. Slow down when approaching a bridge if the temps are below freezing.

Black Ice is Invisible

Black ice can be found anywhere on the road where moisture collects. Once the water freezes, it blends in with the surface of the road and is difficult to see. Always drive carefully and be aware of the road conditions. If temps are below freezing, drive as carefully as possible.

Allow Your Car Time to Warm Up Before Leaving

Driving your car while the engine is still cold can increase wear and tear. Start your vehicle and allow it to warm up for a few minutes before leaving. This gives the oil enough time to warm up and coat all the parts before you put a load on the engine.

The agents at Dove Insurance Agency offers assistance to their clients who live in Blacksburg, VA and want to know more about safe driving and weather conditions. If you want to learn more, call our office today!

What Non Collision Events Are Covered Under Your Auto Insurance?

You’re headed down I-81 or Route 460 in the winter, and a deer jumps out in front of your car before you can stop. Maybe you’re driving down a local road when a tree branch crashes onto your vehicle during a storm.

Hopefully, none of this happens to you. But it’s important to understand whether these events are covered under your current insurance policy.

At Dove Insurance Agency, our Family of Independent Agents can help you determine whether your  vehicle is adequately covered. In the meantime, here’s some valuable information about non-collision events and car insurance.

What Does Collision Cover?

Collision coverage pays for costly repairs if you get into an accident. Such as hitting another vehicle or running into a ditch.

However, collision doesn’t cover damage due to rain, fire, flood, glass breakage, or theft.

Comprehensive Coverage for “Everything Else”

Comprehensive insurance, also called Other Than Collision, is the “everything else” bucket for damage to your vehicle.

So, if a tree limb hits your car, a rock slide buries it, or a hail storm damages your hood – you need comprehensive coverage. If you come out of your home, workplace, or shopping center to find your vehicle missing, your comprehensive coverage kicks in. This coverage saves you from significant financial loss in case of these and similar events.

Also included are Acts of God, which in terms of insurance coverage, includes damage due to floods, fire, and storm debris.

What Insurance Is Required in Virginia?

Virginia law doesn’t require comprehensive coverage, but the following insurance is required:

  • Bodily injury and uninsured/underinsured motorist coverage
  • Property damage and uninsured property damage

Serving the Commonwealth of Virginia For Over 50 Years!

At Dove Insurance Agency our family of Independent Agents are dedicated to serving you and working with your lifestyle. We’ll educate you on the coverage you need to keep your property and family secure, no matter what the future brings.

Instead of working for one big company, our family of Independent Agents represent multiple insurance providers. This allows us to compare rates and coverages so you’ll get the best coverage-to-value policy available.

We’re here to serve you.

Blacksburg • Christiansburg • Salem • Radford • Roanoke

State Insurance Minimums Apply to Both Autos and Motorcycles

State Insurance Minimums Apply to Both Autos and Motorcycles To maintain the privilege of driving on Virginia’s roads, you must maintain proper levels of insurance for an automobile or motorcycle – whichever you own and drive. Dove Insurance Agency of  Blacksburg, VA wants you to remain on the road legally. It explains the state insurance minimums that apply to both autos and motorcycles and discusses the other policy types available to add to an insurance package.

You won’t be able to purchase license plates or renewal decals for the plates without proof of insurance. If you get caught driving without insurance, the state can suspend your license, revoke your vehicle registration privileges, charge you with a $500 statutory fee, plus a reinstatement fee. Once reinstated, you must maintain proof of financial responsibility, also known as insurance, for three years upon suspension.

The minimum coverage for motorcycles and auto insurance is the same. It requires $25,000 for bodily injury or death of one person and $50,000 for bodily injury or death of two or more people, plus $20,000 to cover property damage. That’s only the minimum insurance required. While you must obtain the minimum’s to legally drive on the roads, you may also add to that insurance. 

You can add collision, comprehensive, Personal Injury Protection (PIP) and uninsured driver coverage. Collision covers you when the vehicle hits a stationary object like a parked vehicle, fence,  building, guardrail or potholes. Comprehensive pays for the damage when an animal strikes your vehicle or it gets damaged by an act of God such as flood, tornado, fire or hail. PIP, also called no-fault coverage, pays for what bodily injury liability coverage does not for you and any passengers. You can also add uninsured driver coverage to cover damage to your vehicle and medical costs if your vehicle is struck by a driver who has no insurance or too little.

Dove Insurance Agency of Blacksburg, VA wants you on the road legally. Come by and talk to us about auto or motorcycle insurance for your vehicle.