Meet the A&C Insurance Team in Virginia Beach
Your Virginia Insurance Questions, Answered
Virginia requires every registered vehicle to carry at least 50/100/25 in liability, plus uninsured/underinsured motorist coverage at the same limits. That means $50,000 for injuries to one person, $100,000 per accident, and $25,000 for property damage. We help you meet the state minimum or choose higher limits for more protection.
Yes. Many carriers accept an ITIN instead of an SSN, and Virginia issues a Driver Privilege Card to residents regardless of immigration status. Requirements vary by carrier, so we help you find one that fits your situation.
An SR-22 is a form your insurer files with the state to prove you carry the required coverage, usually after a license suspension or certain violations. We work with carriers that handle SR-22 filings and help you stay compliant.
In most cases, yes. Coverage usually follows the vehicle, so a licensed friend who occasionally borrows your car is typically covered, though it depends on your policy. Anyone in your household who drives regularly should be listed on the policy.
It can, but not always. Carriers weigh the type of claim, who was at fault, and your overall record, and some offer accident forgiveness. We can compare carriers at renewal to help you find a better fit.
Life insurance is a contract where you pay premiums and, in return, the insurer pays a benefit to the people you name if you pass away. That money can help your family cover expenses, debt, and everyday living. Coverage amounts and types vary based on your needs.
We offer term life, whole life, indexed universal life (IUL), final expense, and mortgage protection. Term covers you for a set number of years, while permanent options like whole life and IUL last your lifetime and can build cash value over time. We walk you through which one fits your goals.
It depends on your income, your debts, and what you want to leave your family. A common starting point is several times your yearly income, adjusted for things like a mortgage or your children's future. We help you land on a number that makes sense for your situation.
Not always. Some policies require a short medical exam, while others offer simplified or no-exam options depending on your age and coverage amount. We can point you toward the route that fits your health and timeline.
Often, yes. Many carriers offer life insurance to residents with an ITIN or a valid visa, depending on their guidelines. We help you find a carrier that works with your situation.
A standard homeowners policy typically covers your home's structure, your belongings inside it, and your liability if someone is injured on your property. Most policies also help with living expenses if a covered event forces you out of your home. Exact coverage varies by policy.
Your landlord's policy covers the building, not your things, so renters insurance protects your personal belongings and your liability. It's usually one of the most affordable policies, and some Virginia landlords require it. We can help you get covered quickly.
No. Standard home policies exclude flood damage, which needs a separate flood policy. This matters in parts of Virginia near the coast and rivers, like Hampton Roads. We can help you add flood coverage if your area needs it.
Homeowners covers a house you live in, condo insurance covers your unit and belongings while the association insures the building, and landlord insurance covers a property you rent out. Each is built for a different situation, and we match you to the right one.
Usually only in a limited way. A home policy might cover a small amount of business property but often won't cover business liability or lost income, so a separate policy may be needed. We can review your setup and fill the gaps.
It depends on your industry, but most Virginia businesses start with general liability, and many add commercial property, commercial auto, or professional liability. If you have employees, workers' compensation is generally required. We help you build coverage around your specific business.
Generally, yes, once your business has more than a couple of employees. The exact rules depend on your situation, so we help you understand what applies and get covered properly. It's worth confirming your specific case before you assume you're exempt.
General liability helps cover claims that your business caused bodily injury or property damage to someone else, along with related legal costs. It's often the first policy a small business buys and is sometimes required to sign a lease or a contract. We explain what it does and doesn't cover.
If you or your employees drive for business, most likely yes. Personal auto policies usually exclude business use, so work vehicles typically need commercial auto coverage. We help you figure out the right setup, including hired and non-owned coverage.
Yes. New businesses can get coverage right away, and we can also help you form the LLC itself through our business formation service. Starting with the right coverage protects you from day one.
We help with vehicle registration, title transfers and replacements, license plate and sticker renewals, and titling follow-up. You bring your documents and we handle the paperwork so you skip the line.
Yes. Virginia offers a Driver Privilege Card that lets residents drive legally regardless of immigration status, using an ITIN if you don't have a Social Security Number. Document requirements are set by the DMV and can change, so we help you confirm exactly what you need.
You'll generally need proof of ownership like the title or bill of sale, proof of Virginia insurance, a valid ID, and proof of residency. Requirements can vary by situation, so we review your documents before you go.
It depends on the service and how busy the DMV is. Simple items like sticker renewals are quick, while titling or registration can take longer if paperwork is missing. We make sure everything is complete the first time.
No. Our team assists you in Spanish or English through the whole process and helps you understand every form before you sign it.
A&C is a local independent insurance agency and multi-service center serving families and businesses across Virginia. We offer auto, home, life, and business insurance, plus services like DMV paperwork, notary, translations, and business formation.
We serve clients across the state of Virginia, including Northern Virginia, Richmond, Hampton Roads, and the Shenandoah Valley. Whether you're nearby or on the other side of the state, we can help you get covered.
Being independent means we're not tied to a single insurance company. We compare coverage from multiple carriers to find the option that fits your needs and budget, and we answer to you, not to one insurer.
No. Getting a quote is free with no obligation to buy. We review your needs, compare your options, and explain what you're getting before you decide anything.
Yes. That's the point of a multi-service center. You can get an insurance quote, handle a DMV transaction, notarize a document, or start your LLC in one place instead of running all over town.
