Charles Barker Automotive

Insurance FAQs

Insurance Questions Answered!

The person who hit me doesn't have insurance. Now what?
Virginia allows drivers to pay an Uninsured Motor Vehicle fee. It allows them to drive legally in our state without insurance. Most people purchase additional coverage on their own policy called uninsured/underinsured motorist coverage. It covers medical bills, damage to your car and it's generally part of your Collision Coverage.

Do I have to use my agent's recommended shop?
No. You have the right to choose what shop does the work. We hope you select Charles Barker Collision Center. We are confident you will receive the very best outcome.

What if my car is totaled?
We can help. We have dedicated staff to assist you in finding a reliable/affordable vehicle quickly.

What is a deductible?
It's the amount of money you pay for each insurance claim and it varies person to person. Some people choose higher deductibles to have lower rates.

If the estimate is lower than my deductible...what happens?
You can opt to pay for the repair on your own and not claim it on your insurance.