What car insurance is required if I live in Virginia?

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What car insurance is required in Virginia?

If you are driving a car that is registered in Virginia, you have two options: either purchase insurance, or pay the Uninsured Motor Vehicle Fee. 

If you elect to purchase insurance, minimum insurance requirements are as follows: 

  • Bodily injury/death of one person: $25,000
  • Bodily injury/death of two or more persons: $50,000
  • Property damage: $20,000

Bodily injury coverage means that, in the event of an accident, you are not obligated to pay the injured party’s medical bills, up to the amount insured for. 

Property damage covers damage done to the other vehicle and to other personal property, like a phone or laptop. 

Let’s look at an example: 

virginia car accident lawyerMike rear ends another vehicle, which is driven by John. John injured his back and neck. To reach maximum medical improvement, he will have four visits to his doctor, and twenty physical therapy sessions. Medical bills amount to $10,000. John’s car costs $5,000 to repair. For pain and suffering, John will be awarded another $10,000. Mike’s insurance is sufficient to cover all costs. 

However, this is not always the case. If John’s medical bills amounted to $30,000, Mike, not Mike’s insurance company, would likely be liable for the excess damages. 

The second option for a Virginia driver is to pay the $500 Uninsured Motor Vehicle Fee. This fee is paid to the DMV and does not provide insurance; it merely allows the driver to operate an uninsured vehicle at his or her own risk. 

If you fail to either purchase insurance or pay the UMV Fee, driving and registration privileges will be suspended. To be reinstated, you must pay a $600 noncompliance fee, file a Financial Responsibility Insurance Certificate with the DMV for three years, and sometimes pay a reinstatement fee.

Reasons to Purchase Car Insurance

Well, accidents happen. In 2019 in Virginia, there were 128,000 accidents – an average of 350 every day. Insurance is important because it removes financial liability. It pays for injuries and damage to your car and other cars. It pays you if you cause damage to your own car, or if your car is stolen.

Factors that Influence Monthly Cost

Several factors influence your premium. They include driving records, your age and type of vehicle.

To lower your premium, avoid getting tickets or getting accidents, don’t drive a high performance vehicle, and maintain good credit. You can also consider a higher deductible.

If you’ve been injured in an accident, it may be in your best interest to hire an attorney. The attorneys at Cohen & Cohen have served the Commonwealth of Virginia for more than twenty years. Contact us today at (202) 955-4529 for a free, zero obligation case evaluation.

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L Proctor
August 30, 2022.
My experience with Cohen &Cohen was beyond my expectations. Jill did an amazing job with negotiating on my behalf and got me way more money than I anticipated. Thank you for having my back.
Ebony Stoutmiles
June 23, 2022.
To say that I am happy with the outcome of my case is the understatement of the century! Jill Stanley is a BEAST at what she does. That is the only way to explain it. She takes no prisoners. She and her team are very skilled and knowledgeable. I am so happy I trusted them to do their job and rolled with Jill's suggestions. I would choose Jill again 100 times. She settled my case for more than I imagined I would receive. I was literally in tears. It is the best feeling to know my pain isn't for naught. Wayne Cohen and Kristopher Yorke were nothing short of amazing. They have the patience of saints. I'm 100% certain that I got on their last nerves with my frustration and tears at every other call I had with them. Being in pain and wanting to just be able to heal was all I could focus on, but they helped me realize that I also had to focus on the bigger picture (the case) so I could put this piece behind me. As a high-strung individual with anxiety, it was hard for me to not worry and let them do their jobs, but they reassured me all of the time that they had this. To be injured before the start of the pandemic and have to receive regular, weekly treatment while others are able to stay home is anxiety inducing. I was in pain, I was anxious, and I was just hoping it all worked out. It more than worked out. I hope Jill, Siri, and Kris know how much their hard work and "hanging in there" meant to me. I am eternally grateful. I can't recommend you all enough. If you choose this law firm, you won't be sorry!
Beloved Temple
June 3, 2022.
I was very pleased with the handling of my case and settlement with Cohen& Cohen. I appreciate them, would highly recommend them.
willie howell
May 25, 2022.
COHEN & COHEN ARE THE BEST I WAS INVOLVED IN A REAR END CAR CRASH AND 2 YEARS LATER I HAVE RECEIVED MY SETTLEMENT I AM VERY EXCITED TO SAY BRYAN!!! IS THE MAN HE INSURED THEY WILL TAKE CARE OF ME AND THEY DID 100% ANY QUESTIONS I ASKED THEY WERE ANSWERED. Jill and SIRI WAS ALSO REMARKABLE AND SHOWED THEY REALLY CARED I RECOMMEND COHEN &COHEN TO ANYONE THEY ALSO MADE SURE I GOT MORE THAN EXPECTED WHICH WAS AMAZING I APPRECIATE YOU GUYS THANK U💯
Jose Rivera
May 25, 2022.
The legal team at cohen & cohen did a great job I really appreciate the hard work on gating my compensation in a fair amount of time. Special thanks to Kris for a wonderful job
Lea Harvey
May 25, 2022.
I had a great experience with the team at Cohen & Cohen. From my intake attorney, Adam, to the paralegal, Bryan, who worked with me regularly for months to document and prepare my case, to Jill, the attorney who secured my settlement, I feel fortunate to have had their representation and expertise on my side.
Cameron Galloway (HustleDaGod)
May 19, 2022.
Kris was phenomenal. Spectacular communication & knowledge in regards to my case. Would definitely return if I needed more legal services. 100% definitely recommend.