Your Richmond auto insurance company may be willing to offer you return money for being a good driver.  Make sure to ask your insurance agent these sorts of questions before signing any kind of Richmond insurance policy.

For even more information, check out the Richmond Accident Book, provided to you free by Richmond attorney Bob Battle.  It has plenty of information about Richmond car accidents, including what to do after a car accident.
Bob Battle
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100% of my practice is devoted to serious traffic defense and criminal litigation in state and federal courts