Virginia auto insurance coverage requirements:

In Virginia auto insurance coverage requirements bodily injury liability and property damage liability.

If you’re driving a car, you need to have a minimum amount of auto insurance coverage. These requirements are in place to protect you and others on the road. Here’s what you need:

Bodily Injury Liability:

• At least $30,000 coverage per person.
• $60,000 total coverage per accident (for two or more people).

Property Damage Liability:

• You must have $20,000 coverage for damage to someone else’s property.

Remember, these limits will increase starting from January 1, 2025, to 50/100/25. It’s essential to follow these rules to avoid penalties and drive responsibly. Make sure to keep proof of insurance in your vehicle and stay informed about any changes in coverage.

In Virginia, auto insurance requirements are essential for all drivers. Here’s what you need to know:

Minimum Coverage:

• You need insurance to get license plates for your car.
• Antique cars also need insurance.
• Your insurance company must be allowed to work in Virginia.

Coverage Limits:

• Virginia says you must have at least:
• $25,000 for hurting or killing one person
• $50,000 for hurting or killing more than one person
• $20,000 for damaging property
• Starting January 1, 2025, these limits will go up.

Uninsured Motor Vehicle (UMV) Fee:

• This fee doesn’t give you insurance but lets you drive without it, at your own risk.
• You have to pay it when you renew your registration.

Penalties for Not Having Insurance:

• If your insurance ends while you’re registered, you can:

Get insurance again.

Pay the UMV fee.

Temporarily stop using your license plates.

Give up your license plates.

• If you drive without insurance, you could lose your right to drive and register your car.
• To get your rights back, you might have to pay $600, prove you have insurance for three years, and pay extra fees.

Verification of Insurance Coverage:

• The DMV works with insurance companies to check if you have insurance.
• Always carry proof of insurance when you drive.

FAQ:

What is the required auto insurance coverage in Virginia?

In Virginia, you must carry at least $30,000 coverage per person for bodily injury, $60,000 total coverage per accident (for multiple people), and $20,000 coverage for property damage.

What is the new insurance law in Virginia?

Starting January 1, 2025, the minimum coverage limits will increase to 50/100/25.

Do you have to have full coverage on a financed car in Virginia?

If you’re financing a car in Virginia, it’s advisable to have full coverage, including comprehensive and collision insurance. Lenders often require this to safeguard their investments.

How much-uninsured motorist coverage do I need in Virginia?

While specific minimums aren’t defined, having adequate uninsured motorist coverage is crucial. It protects you in case of an accident involving an uninsured driver. Stay protected