Blue Ridge Insurance
Since 2002, Blue Ridge Insurance has been providing insurance solutions to local families and small businesses throughout Virginia, North Carolina, and West Virginia. As a top-rated independent insurance agency, we are Dave Ramsey’s Endorsed Local Providers (ELP) for insurance.
We are dedicated to helping protect the things most important to you at competitive rates. We do the shopping for you, making the insurance carriers compete for your business. And because not all insurance policies are created equal, our professional insurance agents will ensure the insurance products we offer will best fit your needs.
So if you are looking for insurance solutions with comprehensive coverage options and affordable rates, contact our experienced team today to get started.
Community Involvement
Making a lasting impact on our community with donations, giveaways, and support, while inspiring others to do the same.
Dave Ramsey ELP
As an Endorsed Local Provider, we live up to the highest standards of service to meet and exceed your expectations.
Dedicated to You
We are dedicated to helping local families and businesses protect the things most important to them at the lowest price.
The Solution To Your Insurance Needs
Providing a variety of personal insurance and business insurance solutions throughout Virginia, North Carolina, and West Virginia is what Blue Ridge Insurance does best.
Our Insurance Specialties
We are dedicated to helping local families and businesses protect the things most important to them at the lowest price. We do the shopping for you, making the insurance carriers compete for your business.
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Personal Specialties
Business Specialties
Dave Ramsey Endorsed Local Provider (ELP)
Blue Ridge Insurance is a proud ELP throughout most of Virginia, North Carolina, and West Virginia. We strive to uphold the highest standards of excellence in service and solutions which earned us this recognition.
“They are fantastic. Honest people. Best insurance experience ever! Straight and to the point and still saved me a lot of money by dropping a big carrier.”
Thomas Callahan
“The service was quick and as he is part of a Dave Ramsey ELP team I felt comfortable he had my best interests in mind.”
Chris McDonough
“Within minutes I had new and cheaper policies. The service I received was beyond my expectations!”
Charlene Arnold
Real clients. Real reviews. Real coverage.
“When visiting the Blue Ridge Insurance office, I feel like I’m part of the family. Everyone there is warm, friendly and caring. I know they have my best interest at heart.”
– Rochelle Walker Sr.
Our Agency is Top Rated
Check out our reviews and see why you should switch to Blue Ridge Insurance.
What makes our independent agency different?
- We represent multiple insurance companies.
- We are licensed insurance advisors.
- We are by your side every step of the way.
- We offer a wide variety of insurance solutions.
- We are there for you in your time of need.
Proud Partnerships
We are proud to partner closely with the best in the industry to better serve your needs.
Our Partnerships
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Get a glimpse of the risks you face and how your insurance can protect what matters most.
Bodily Injury Liability Coverage
Risk Factor
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Solution
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
Property Damage Coverage
Risk Factor
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.
Solution
Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.
Medical Payments Coverage
Risk Factor
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.
Solution
Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.
Uninsured / Underinsured Motorist Damage Coverage
Risk Factor
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Solution
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Physical Damage Coverage
Risk Factor
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Solution
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
Transportation Expenses / Rental Coverage
Risk Factor
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Solution
Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
Auto Insurance 101
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As an independent agency, we are here to help you find the right coverage.
Forest, VA
14805 Forest Road, Suite 202
Forest, VA 24551
Serving local families and small businesses in Forest, VA, Richmond, VA, Arlington, VA, Chantilly, VA, Charlottesville, VA, Lynchburg, VA, and all of Virginia, North Carolina, and West Virginia.
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