Auto insurance is mandatory in Virginia state and equally very important as it shields drivers and every individual person on the roads from insecure conditions. It is crucial to comprehend the state laws concerning car insurance to avoid any incurring of penalties, as well as to know which options make the driver and other people in the car most secure when a collision happens.
Virginia has set out minimum standards that every driver is supposed to have on the road. This guide will ensure that you understand those requirements, and know what type of coverage is most suitable.
Legal Minimums of Car Insurance VA
a. Bodily Injury Liability
This includes damage to other people in a particular accident, which may have been caused by the driver. Minimum bodily injury coverage is $30,000 for one person and $60,000 per accident.
b. Property Damage Liability
This pays for damages to other people’s property or to their cars. The minimum cover that is necessary is $20,000.
c. Uninsured/Underinsured Motorist Coverage
Virginia obligates it because this coverage will protect you if you are in an accident with an uninsured or underinsured driver.
Other Car Insurance VA Products and Services
While Virginia has minimum insurance requirements that are legal, many drivers for one reason or the other, get an enhanced coverage plan. Some common optional coverages of car insurance VA include:
a. Collision Coverage
This pays for the damage or loss of your vehicle through an accident irrespective of who was to blame.
b. Comprehensive Coverage
Provides protection against the damages arising from non-accident cases, including theft, acts of mischief or a violent climate.
c. Medical Payments Coverage (MedPay)
Could help with medical costs for you and your passengers in case of an accident .
d. Rental Reimbursement
For hiring a car for use during the period that the personal car is being repaired from an accident.
Consequences of Driving Vehicle without Insurance
Any person caught driving a vehicle without insurance or not paying the uninsured motor vehicle fee is a serious offense in Virginia. Drivers are liable to a fine, suspension of their vehicle registration number and sometimes their driver’s license. To regain these privileges, a driver has to pay a $600 statutory fee, file an SR-22 insurance form, commonly known as a certificate of financial responsibility, and keep filing it for three years.
A Guide on how to Meet Car Insurance VA Laws
Drivers should ensure that they have the minimum insurance cover of the state. It is also vital to spend time reviewing the policy often, to check whether it still meets your needs.
Conclusion
Virginia drivers must be aware of car insurance rules and regulations in the state, for them to adhere to laws, in order to avoid penalties. However, apart from the bare minimum, it is important to recall that other options exist for insurance as well. Car Insurance is a very essential thing to own, and it should always suit you and adequately cover you on the roads.
