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Is Virginia an at-fault state?
The Virginia insurance laws have got me a little confused. I just moved here and some neighbors told me car insurance is required, but others told me it’s not. I just want to know if I’m responsible for my own damages.
Pat Roache · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Virginia is an at-fault state—but there is a loophole that allows residents to drive without insurance.
Unlike in a
no-fault state
, Virginia drivers are responsible for all the damages they might cause to another driver in an accident where they were at fault. That said, whether or not they have car insurance
to do so is up to them. Virginia offers drivers the option to pay a one-time $500 uninsured motorist fee to get out of meeting the state’s minimum insurance requirements. Otherwise, you’ll need a policy that meets the following limits set under
Virginia car insurance laws
:- $60,000 of bodily injury liability per accident
- $50,000 of uninsured bodily injury liability per person
You may be tempted to pay the fee and get out of these requirements, but you’ll regret it in the worst-case scenario. Besides, you can easily cut down your
Virginia car insurance costs
and find a manageable premium by shopping with the Jerry
app. It only takes 45 seconds to get started and you’ll instantly be browsing the most competitive insurance quotes available! View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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