Hi all,

I'm reaching out to see if there is anyone out there with personal lines experience in Virginia. I'm asking because I've been researching the standard coverage and requirements in different states, and there have been some "surprises" that are not explained very well on the government department of insurance websites. 

A perfect example is when I was researching Pennsylvania personal auto.. I spent several weeks learning all about their "First Party Benefits" coverage options, and limited vs. full tort,  stacking UM,  etc.  Well, after researching all of these coverage options and requirements for PA,  much later I found out about all of these forms that the client needs to sign (related to those first party benefits, tort coverage, uninsured motorist coverage selection, etc.).  I had no idea about these forms,  but the carriers require that these forms be filled out correctly and submitted, otherwise all of the coverage gets set to the maximum amount and the client's premium goes up.

So,   that being said,  does anyone have experience with personal auto or homeowners insurance in Virginia that could shed light on any "surprises" I should be aware of?  

For personal auto, I understand that Virginia has "contributory negligence" laws, stackable medical payments coverage and stackable UM. 

Does anyone know of any other personal auto or homeowners regulations or standards that are also important in the state of Virginia? Thank you for taking the time - very much appreciated.