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Virginia is actually a special case when it comes to the state's auto insurance requirements. Of course, the state requires that all drivers have property damage and personal injury liability. What sets it apart from other states is that it allows a motorist to pay a fee in order to legally drive while uninsured. Most states do not offer anything similar. Otherwise, the driving and insurance laws are somewhat similar to other areas.
Any driver can choose to drive without insurance in Virginia. However, they must pay a $500 uninsured motor vehicle. That person can then drive around without breaking the law while uninsured. No coverage is provided though, so motorists are making this decision at their own peril. Paying the UMV fee will not stop someone from being liable for any damages caused during an accident. Still, this option can help drivers that cannot afford any type of auto insurance coverage.
Aside from the UMV, Virginia is just like other states. Property damage liability for any driver must amount to at least $20,000. This requirement might be a little higher than other states but should not prove problematic. Bodily injury policies must amount to $25,000 for accidents involving one other driver and $50,000 for more than that. Other than these two requirements, this state does not require uninsured motorist coverage or other plans that car insurance companies offer.
Of course, penalties are in place for individuals who do not have auto insurance or fail to pay the Uninsured Motor Vehicle fee. Anyone who cannot show proof of insurance during a traffic stop or automobile accident is subject to numerous consequences. Drivers will immediately have their license suspended and their registration revoked at that point. From there, the only remedy is paying a $500 fine, filing an SR-22, and then paying applicable fees. This whole ordeal is not worth the hassle or the costs.
Luckily, most drivers in Virginia will have no trouble meeting the requirements in some way or another. Auto insurance is not that expensive, and anyone else can pay the UMV fee to drive uninsured. There is no reason that a driver should fail to meet state law because so many solutions are available. In any case, driving without insurance or the UMV exemption is reckless and unnecessary. Undoubtedly, acquiring coverage is always the best course of action in Virginia.
What else can I help you with?
Where can I get Virginia car insurance?
Virginia car insurance can be found on Virginia Auto Insurance and the Virginia Car Insurance Center, especially if you have a very good driving record.
Who has the best Virginia uninsured motorist insurance?
The best Virginia uninsured motorist insurance is probably the one offered by Triple A Auto Insurance of the one offered by Farmer's auto insurance or Geico.
What are the minimum requirements for car insurance in Virginia?
The Commonwealth of Virginia's DMV department requires a minimum amount of auto insurance. For bodily injury/death - $25,000, bodily injury/death for multiple persons - $50,000 and property damage - $20,000.
Who has rental car insurance in Virginia?
Virginia Auto Insurance can help you with car insurance, as well as rental car insurance for a low rate and cheaply too. Virginia Car Insurance Center can also help.
What car insurances are there in Virginia?
Virginia Auto insurance and Liberty mutual insurance are both types of insurance that I recommend to you. They are highly trustworthy and there are excellent benefits
What are the top five car insurance companies in Virginia?
Virginia auto insurance Amica Progressive State Farm and Geico are the insurance companies that I have found to be in Virginia and to be rated pretty well.
What are the legal requirements for Georgia auto insurance?
You have to be 18. That's it.
Where can I find a list of car insurance requirements for the state of Oregon?
The Oregon DMV website www.oregon.gov/ODOT/DMV has information on all auto insurance requirements. Your local auto insurance agents can also give you the information.
Where can someone find out what the minimum auto insurance is?
There are a number of websites that offer information on the minimum auto insurance requirements which differ from state to state. One very informative page which lists the requirements for all states, is the About website which has a specific page for Car Insurance Requirements.
What are the Oregon Auto insurance requirements?
Look in your state's DMV handbook.
What companies sell non-owner auto insurance in Virginia?
I would like to know what companies sell non-owner auto insurance in va?
Where can I find information on auto insurance for AZ?
The requirements for auto insurance vary based off of what state you live in and what company you are currently holding insurance with. In order to find out about these, ask.
