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State of Virginia Car Insurance Rules
Every state has their own rules and regulations in terms of car insurance policies. The State of Virginia is no different; however, it practices the same principle of tort system, which entails the one at fault for the accident to take full financial responsibility for the damage incurred by the victim.
The state requires that drivers show proof of insurance and financial responsibility that can be in the form of an insurance ID card or an evidence of currently paid uninsured motor vehicle (UMV). You should carry this in your pocket or your vehicle in case it is requested by a police officer, while registering your vehicle, or after an accident. Failure to comply with this would mean payment of $500 for the statutory fee and a reinstatement fee, suspension of your registration, and a submission of SR-22 for three years.
The requirements of the state are not very complicated. You only need to purchase a minimum Virginia car insurance policy with coverage equivalent to bodily injury liability of $25,000/$50,000 limit, a property damage liability of $20,000 limit, an uninsured/underinsured property damage of $20,000 limit, and an uninsured/underinsured bodily injury of $25,000/$50,000. This is not so difficult to remember and you would find most car insurance providers offering this basic car insurance requirement.
You have the option to purchase comprehensive and collision insurance for additional security, but this is not mandated or even ordered by the state. It is an option that many consider inviting because of the relief it brings to them while driving the streets of Virginia.
State of Virginia Car Insurance | How to Find Free State of Virginia Car Insurance Quotes