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What Are the Car Insurance Requirements in Virginia?

Unsafe drivers are not the only ones at risk of accidents and injuries. Even the safest drivers who take all the precautions they should may still be injured in accidents caused by others behind the wheel.


No matter how good of a driver you are, you should always make sure to obtain sufficient insurance coverage to protect yourself financially in the event of an accident.

Minimum Insurance Requirements

Each state has its own laws that govern how much insurance drivers should have. In Virginia, drivers are required to only carry liability insurance in the following amounts:

  • $25,000 in coverage for bodily injury (per person)

  • $50,000 in coverage for bodily injury (per accident)

  • $20,000 in coverage for property damage.


It’s important to keep in mind that this minimum liability coverage will only cover those who are injured in accidents that you are considered responsible for. In other words, this coverage will not apply to your own property damage or injury expenses, potentially leaving you with out-of-pocket expenses that you cannot afford.


Virginia is unique in that drivers can avoid getting liability coverage by paying a $500 uninsured motorist fee. This fee simply allows you to drive on the roads without the risk of an uninsured motorist fine or penalty.


However, you have no insurance coverage with this option. If you are at fault for an accident, you are personally responsible to cover any damages that you cause.

Obtaining the Right Coverage

You should make sure you obtain coverage that is suited for your own situation. Most of this time, this means adding more coverage than just your state’s minimum requirements.


There are three types of coverage that you should probably consider adding on to your car insurance plan:

  • Collision coverage. This pays for your own vehicle damages that you personally incur if you cause an accident.

  • Medical expenses coverage. This will pay for your medical expenses, such as ER visits or rehabilitation, that you incur in an accident you cause.

  • Uninsured/underinsured motorist (UM/UIM) coverage. This pays for damages if you are hit by an uninsured driver or a driver whose coverage is not enough for your entire damages.


As we stated, everyone’s situation is different. But you should have enough coverage to act as a financial safety net so that you are not responsible for out-of-pocket expenses in the event of a car accident.

Injured in an Accident? Contact Huffman & Huffman

If you are injured in an accident in Newport News, don’t hesitate to reach out to Huffman and Huffman for legal assistance. Insurance companies are notorious for using every trick in the book to deny claims, even valid ones.


Our legal advocates will be standing in your corner so you don’t have to go up against the insurance company by yourself. We will review each word of your policy or the at-fault driver’s policy and fight to help you obtain maximum compensation.

Contact Huffman & Huffman at (757) 330-3425 to schedule your free consultation. If you are social distancing, we are able to provide you with a phone or virtual consultations instead.