When purchasing Virginia auto insurance, consumers who are knowledgeable about their policy will likely get the most out of their coverage. Since policies can be confusing for consumers, the Insurance Information Institute has broken down the basic coverage offered by an auto insurance policy.

Bodily injury liability provides coverage for the driver or anyone else listed on the policy, including any harm done to a separate party involved in an accident. Having adequate liability insurance will help in the event of a serious accident and also prevent potential lawsuits.

Personal injury protection covers medical expenses for drivers and passengers who are injured in the policyholder's car. III notes that PIP can also cover medical payments and lost wages.

Property damage liability insurance will pay for damage to someone else's property, including another car, fences or any other structure involved in an accident.

III notes that collision coverage may be offered separately from a basic policy but will cover damage to a policyholder's car if it hits another car or object.

Drivers who live in areas with a higher risk of natural disasters or theft may particularly benefit from having comprehensive coverage. The add-on policy is generally inexpensive and provides reimbursement for stolen vehicles or damage caused by another car or natural disasters, including earthquakes and floods.

If you have any questions about auto insurance or your specific policy--whether you are a member or not--you can contact your local Virginia Farm Bureau Insurance agent for answers and help.