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Uninsured and Underinsured Motorist Coverage in Virginia Beach, VA and Chesapeake, VA

NOT EVERY DRIVER IS A RESPONSIBLE DRIVER.

As a safe driver, obeying street signs, speed limits, and always using your turn signals is routine. And if you’re ever involved in an accident, your insurance policy typically keeps you protected.

Unfortunately, some drivers on the road don’t share the same safety precautions as you. And if you’re involved in an accident with a motorist who doesn’t have the right coverage, you may have to take care of any medical payments, damages, or other expenses with money from your own pocket.

IT’S IMPORTANT TO BE PREPARED FOR EVERYTHING

Uninsured/Underinsured Motorist Coverage can give you the assurance that your medical expenses will be covered. In cases where the at-fault driver does not have liability insurance, Uninsured Motorist Coverage may cover expenses caused by the a covered accident.

There are two distinct kinds of coverage included in an Uninsured Motorist Coverage Policy:

  • Uninsured Motorist Bodily Injury (UMBI) can cover income losses, medical bills, or other expenses for you and your passengers. 
  • Uninsured Motorist Property Damage (UMPD) can cover damage to property, including your car.

Underinsured Motorist Coverage may cover damage related to an accident where the other driver’s insurance policy limits were not enough to cover the full cost of damages. Like Uninsured Motorist Coverage, this coverage includes both bodily injury and property damage.

Since Uninsured/Underinsured Motorist Coverage is a separate purchase from your typical Auto Insurance policy, it’s important to contact Avery Insurance Agency, Inc to find out how you can be prepared for any situation on the road.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

Products underwritten by Nationwide Mutual Insurance Company and affiliates. Columbus, Ohio. Vanishing Deductible, Nationwide, the Nationwide N and Eagle, and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2018 Nationwide.

Our Location

Avery Insurance Agency, Inc

Avery Insurance Agency, Inc

6330 N Center Dr., Building 13, Suite 140
Norfolk, VA 23502
Main office: 757-350-8955

Our Providers

Testimonials

We've done business with Tom for the past 20+ years. He has handled our commercial property insurance, business vehicles & assets insurance, life insurance, and our daughter's rental insurance. He and his staff are wonderful to work with, always accessible, and return phone calls quickly. The only reason we don't use him for our personal property needs is because we live in NC and must use a NC agent. Tom is very personable, your not just a number or another "client" to him or his staff, but they get know you so that they can best fill your insurance needs. Tom has been through all the ups and downs with us all these years....thanks Tom!!
sowing1000
great service, local to Va Beach, home and auto discounts, national name, now banking with promo perks!! I have trusted them with my life for longer than most of the employee's..call Mary if you need help now..
Mikesco
Tom Avery and his staff are awesome. They always have smiles on their faces, and they are always willing to help. They answer all of my questions with ease. Great staff and a great insurance company!
JStewart
The Avery Insurance Agency is a wonderful Nationwide provider and liaison.The entire staff is welcoming and friendly and will answer any question one might have. I highly recommend them for their customer service oriented work ethic. They really put their clients first and are the most caring people I have done business with.
LillianLovesAvery
Been with Mr. Avery number of years and have found him to be a professional and knowledgeable adviser. He explains the the different options we have to best utilize our investments with Nationwide in a clear understandable manner. I have been greatly pleased to do business with Mr. Avery and his employees.
Brandydog
I have been with Avery Insurance almost a year now. They explained all the coverages to me and made starting a policy simple. Everytime I call to make a payment or change something I always get a friendly person. Would recommend them to anyone.
beachliving
Tom Avery and his staff have been awesome! Most of the time, my calls are answered right away and the couple times I did get an answering machine, they returned my call promptly. Anytime I need anything, they handle it quickly and efficiently, and take the time to answer all my questions. I trust their advice. They are just wonderful at finding the right products I need and explaining them to me. My work schedule is so hectic and they work with me by either staying later or coming in on a Saturday to meet with me. I've been with them for at least 6 years and wouldn't trade them for anything!
silvermoon029
A friend at Stihl, Inc. recommended Avery Insurance to me and I would recommend them to anyone. I was a long time customer of another company before moving down from Indiana. Since moving I have been through several cars, sometimes fairly quickly. They have made it a seamless process to drop one and add one. I have never called and gotten an unfriendly person. I cannot say enough about their exemplary customer service. Thank you all.
Farmdog
I have worked with Tom for about 5yrs now and I wouldn't want to use any other agent! He is knowledgeable, trustworthy and always looks out for the best interest of myself and my family. All his office staff are equally as helpful.
Markie
I have been with Avery Insurance for over 30 years. I have always received prompt and friendly service. Avery Insurance goes the extra mile to be sure I am fully covered at the lowest price. I have had to file three claims in the time I have been insured with them. Each time, the service was beyond my expectations. I highly recommend Avery Insurance and Nationwide Insurance.
DGSP
Agent was extremely helpful when we were buying our new house. Staff addressed our questions promptly and professionally. I also hit a deer with my vehicle recently and had a positive experience with the insurance adjuster, recommended body shop, and rental car service.
vbnative