Understanding Virginia DMV Insurance Requirements

What is Required by Law?

Virginia law requires all drivers to have a minimum amount of insurance coverage before they can operate a vehicle. This is to ensure that everyone on the road has some level of financial responsibility in case of an accident. The state's minimum requirements are 25/50/20, which means you must have at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per incident, and $20,000 in property damage coverage per incident.

In addition to these minimums, Virginia also requires that all insurance policies include uninsured motorist coverage. This type of coverage protects you in the event that someone else is at fault for an accident but does not have insurance.

What Happens if You Don't Comply?

If you are caught driving without the required insurance coverage, you could face serious consequences. The DMV can suspend or revoke your registration and even take away your license plates. In addition, you may be fined and have to pay additional fees.

It's also important to note that if you're involved in an accident while uninsured, you could be held personally responsible for any damages or injuries caused. This means you could lose your assets and even face legal action.

How to Verify Your Coverage

To verify your insurance coverage, you can check your policy documents or contact your insurance provider directly. You should also make sure that your insurance company is licensed and authorized to do business in Virginia.

It's a good idea to review your policy regularly to ensure it meets the state's minimum requirements and that you're not over-insured or under-insured.