When you go to register your vehicle, you want the process to be as quick as possible. Virginia requires all vehicles to have proof of auto insurance in Virginia at the time of registration.
Liability insurance pays for injuries and damage to other vehicles and property in an accident caused by you. The minimum amount of liability per accident needed in Virginia is $25,000 for any injuries per person, $50,000 for total injuries, and $20,000 for property damage.
An uninsured motorist is a driver that does not have liability insurance. An underinsured motorist does not have enough insurance to cover the cost of an accident. Virginia requires drivers to have the same minimums of uninsured and underinsured motorist insurance coverage as their liability insurance. The minimums per accident are also $25,000 for injuries per person, $50,000 for total injuries, and $20,000 for property damage.
Other Types of Insurance
Many people buy additional insurance to protect them in the case of personal injury or property damage. After an accident, collision insurance will pay for damages to your car. Medical expenses insurance pays for injuries to you or those in the car with you in an accident caused by you. Comprehensive insurance pays for damage to your vehicle not caused by accidents, such as if your car is stolen or you hit a deer.
Buying auto insurance in Virginia does not have to be difficult. A qualified insurance agent can help you find a policy that will protect you and your car in case of damage or injuries.