Understanding Virginia DMV Insurance Requirements

What is Required by Law?

Virginia law requires all registered vehicles to be insured with a minimum amount of liability coverage. This means that you must have insurance that meets the state's financial responsibility requirements, which are $25,000 for bodily injury or death per person, $50,000 for total bodily injury or death per accident, and $20,000 for property damage per accident.

In addition to these minimum requirements, it is highly recommended that you purchase additional coverage options such as collision, comprehensive, and personal injury protection. These types of insurance can provide financial protection in the event of an accident or other covered loss.

Consequences of Not Complying with Insurance Laws

Not having the required insurance coverage can result in serious consequences, including fines and even license suspension. If you are involved in an accident and do not have insurance, you may be held financially responsible for any damages or injuries caused to others.

It is also important to note that if you are caught driving without insurance, your vehicle registration will be suspended until you provide proof of insurance coverage.

How to Verify Your Insurance Coverage

To verify your insurance coverage, you can check with your insurance provider or review your policy documents. You should also make sure that your insurance company is licensed by the Virginia State Corporation Commission.

If you are unsure about your insurance coverage or have any questions, it's always a good idea to contact your insurance agent or broker for clarification.