Virginia Auto Insurance - (VA)

The State of Virginia laws governing the operation of motor vehicles mandates that residents owning and operating motor vehicles must have auto insurance.

Virginia Auto Insurance Minimum Coverage Requirements

The following minimum financial responsibilities must be met by auto insurance coverage:

• Bodily injury liability:25,000 for single individual injury / 50,0000 for additional individual injuries.
• Property damage liability: 10,000 to cover property damage

The State of Virginia does not require motorists to carry uninsured/uninsured policies, but they do recommend it in their Consumer Auto Insurance Guide. There are also, non mandatory recommendations on choosing policies, coverage and options for auto insurance.

Laws, Penalties and Insurance Verification Program

Residents of the State of Virginia who register a vehicle as insured but fail to present proof upon request by a an officer of the law or other state authority, or who let their insurance lapse will face some severe penalties. Penalties include the restriction or revocation of both operator's license and the uninsured vehicles registration. Getting the vehicle registered again will require proof of insurance, paying a $500.00 statutory fine and $85.00 fee to reinstate their registration, there may be additional DMV fees for reinstating the motor vehicle operator's license. In addition, for three years following a violation, the motorist will have to regularly submit proof of insurance to the DMV and if for any reason their policy is cancelled, the insurance agency is obligated to report it.

Virginia has also started the Insurance Verification Program which monitors for uninsured motorists. The key method they use for monitoring is electronic insurance policy records that all insurance policy agencies licensed to do business in Virginia are compelled to submit. This includes information on new policies, changes to current policies and the cancellation of policies. The electronic record monitoring, along with more traditional monitoring such as accident reports and police officer requests for proof of insurance make up the entirety of the program. The electronic method being the newest and most important, as this method was done with paper previously and was much harder to compare against registered vehicles, looking for those who have let their insurance lapse.

Department Of Virginia (VA) State Government That Regulates Auto Insurance:
Web Site: www.scc.virginia.gov/division/boi
Email: bureauofinsurance@scc.virginia.gov

How To Contact Directly:
Virginia Bureau of auto insurance
Tyler Bldg.
1300 East Main Street
Richmond, Virginia 23219
Phone: 1-804-371-9741
Phone Toll Free (In-State): 1-800-552-7945
Phone Toll Free (USA): 1-877-310-6560

Virginia (VA) Mandatory Auto Insurance Minimums

• Liability: 25/50/20 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
• Other Mandatory Insurance: Uninsured Motorist
• Regulations Regarding Proof of Insurance: Proof Not Required
• Penalties For Not Carrying Mandatory Insurance: No penalty

How To File A Complaint About An Insurer:

Home Page For Filing An Insurance Complaint With The Virginia Bureau of Insurance (BOI)