O'Brien Insurance Agency
Learn more about our agency.
At O'Brien Insurance Agency, we strive to help you find comprehensive insurance to protect what matters most to you. We’ve been serving clients in the DMV area of Washington, DC, Maryland, and Virginia, for over 27 years. Whether you’re an individual, family, or business looking for insurance, we have you covered.
Insurance alone only gets you so far. That’s why having the right insurance advisor and advocate by your side is essential. By building a relationship with you, we are able to inform you about your unique risks while offering comprehensive insurance solutions to help protect you from the unexpected and plan for the predictable. We do all of this to bring you peace of mind. Learn more about our agency.
O'Brien Insurance Agency + Erie Insurance
We strive to uphold Erie Insurance’s long-standing commitment to service.
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As an independent agency, we are here to help you find the right coverage.
The Solution to Your Insurance Needs
Providing a variety of personal insurance and business insurance solutions is what O'Brien Insurance Agency does best.
Personal Insurance
Trusted advice and insurance solutions to protect what matters most.
Business Insurance
Coverage and risk management solutions for companies of all sizes.
The Advantage of an Independent Agency Working for You
What makes our independent agency different?
- 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.
Meet Our Owner!
Jim O’Brien has proudly been serving the DMV area for over 27 years. He believes strongly in providing each client with personalized service so they get the coverage they need at prices that work for them. Take a moment to learn more about our agency and how we can help you.
Real clients. Real reviews. Real coverage.
“Jim has been a trusted advisor for all of my family’s insurance needs for 15 years. He always presents the pros and cons of the different options and gives us the information we need to make the decisions that are right for us.”
– Chris P.
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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
Make sure you cover the unique risks you face with auto insurance.
- Click on the hotspots.
- Discover your risks.
- Get the right coverage.
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Contact O'Brien Insurance Agency
As an independent agency, we are here to help you find the right coverage.
Alexandria, VA
2000 Duke Street, Suite 300
Alexandria, VA 22314
We serve clients throughout the DMV area of Washington, DC, Maryland, and Virginia.
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