Question: Is car insurance required in Virginia?

Can you drive without car insurance in Virginia?

Although it is legal to drive without car insurance Virginia, doing so can have downsides. Every driver must either purchase insurance before registering or operating a motor vehicle or pay a special fee to drive uninsured.

What is the penalty for not having car insurance in Virginia?

Virginia law does not even require a driver to have insurance. Owners can opt to pay a $500 uninsured motor vehicle fee to the Department of Motor Vehicles. Failure either to insure your car or pay the fee is a Class 3 misdemeanor, punishable by fines of up to $500, according to Virginia Code § 46.2-707.

What types of auto insurance is required in Virginia?

Virginia requires the following minimum coverage:

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

In what states is car insurance not mandatory?

Virginia and New Hampshire are the two states with unique car insurance laws. There are only two states where car insurance is not mandatory: Virginia and New Hampshire.

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Is it OK to drive a car without insurance?

Most states require that you get your insurance in place before you drive the car off the dealership’s plot. So, the answer to whether driving a new car without insurance is no, it is not allowed. The only time you can possibly legally drive an uninsured car is when you have to get the vehicle registered.

Is it bad to drive without insurance?

According to the New South Wales Roads and Maritime Services website, in NSW you’ll risk a $607 fine for driving a vehicle that’s unregistered and a $530 fine for driving a vehicle that’s uninsured.

How does DMV know you don’t have insurance?

An insurance card or a printout detailing your coverage is typically adequate. Your DMV agent will verify the proof of insurance is valid, lists the vehicle you want to register, and provides the state minimum coverage. Depending on the state, drivers must renew their registration every one to five years.

What happens if you are caught driving without insurance?

The consequences of not doing so vary from state-to-state but generally include fines and fees that are more costly than car insurance premiums. What are the consequences of driving without auto insurance? They may include fees, the impounding of your vehicle, loss or suspension of your license and even jail time.

Does Virginia require full coverage insurance?

Virginia law requires only liability and uninsured/underinsured motorist coverages, but there are a number of other options available from most insurance carriers. Below is a list of commonly available options: Comprehensive: This pays for damages to your vehicle that occur in non-collision circumstances.

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Do you need full coverage in Virginia?

It is illegal to drive a car in Virginia without at least the minimum amount of liability coverage required by law: Bodily injury: $25,000 per person and $50,000 per accident. Property damage: $20,000 per accident. Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident.

Is Virginia a no fault state?

Virginia Is An ‘At-Fault’ Car Accident State

Virginia is not a ‘no-fault’ state for auto accidents. In the Commonwealth of Virginia, the party deemed ‘at-fault’ for a car crash is legally liable for the resulting damages. In most cases, the at-fault party will be a driver.