New to Old Dominion? Looking to find out what you need to be covered while you drive in Virginia? Here's our ultimate guide to Virginia's car insurance laws: What you need to be covered, and what you need to keep covered.
Car Insurance Requirements ... of Lack of Let's start with the most basic question: Do you need car insurance to drive in Virginia? The answer, surprisingly, is “no.” Under Virginia's financial responsibility law, you can actually pay an “uninsured motor vehicle fee” in lieu of insurance. This financial responsibility law defines car insurance in Virginia and how it's handled in many ways, but being uninsured in Virginia is actually a great argument for car insurance.
First of all, the fee is $500 for twelve months. Yep, you'll be paying that fee every single year for as long as you don't have insurance.
What do you get for your $500? Nothing. This fee gives you no insurance and no protection in court: If you're in an accident and are determined to be at fault, you are liable for the whole cost. The best case scenario -- a crash with only property damage where you're at fault -– would cost you $7,500, on average. If you potentially injure somebody, even just minor bumps and bruises, the average jumps to $21,000 to $25,000.
So, it's a good idea to be insured in the Mother of Presidents. What's the minimum coverage that you'll need?
- $25,000 in coverage for bodily injury or death of one person
- $50,000 in coverage for bodily injury or death of two people
- $20,000 in coverage for property damage or injury to others
These are just the minimums. You can, of course, get more coverage, if you want.
Irresponsible Behavior in Virginia The financial responsibility law also has two forms that are issued in case of irresponsible behavior. If a driver falsely declares they're insured, has any unsatisfied judgments, or commits a felony under Virginia's motor vehicle law, his or her insurer will have to file a Certificate of Financial Responsibility proving insurance has been purchased, the SR-22. The SR-22 is only fulfilled with insurance that hits the minimums above.
Drivers who have a recent DUI on their record, though, are subject to the FR-44 form. That has different requirements for liability:
- $50,000 in coverage for bodily injury or death of one person
- $100,000 in coverage for bodily injury or death of two people
- $40,000 in coverage for property damage or injury to others
Yup, anybody with a recent DUI, in state or out, will need to have double the insurance of the typical driver on the road.
Insurers won't issue these certificates to non-Virginia residents, either, so drivers with DUIs may find it tricky to get onto the road.
Ultimately, Virginia is a beautiful state to drive in, and an easy one to be insured in. Just be aware of the minimums and be aware that you are financially responsible for how you drive, whether you're paying out of pocket or covered by auto insurance.
Tags: safe auto, safeauto, virginia, car insurance
Safe Auto Insurance, a leading state minimum limit auto insurance carrier headquartered in Columbus, Ohio, is excited to announce that it is expanding its business into the state of Virginia. With this expansion, the company now offers state minimum auto insurance to sixteen states.
SafeAuto specializes in serving drivers who need state minimum limit car insurance to stay within the legal framework of their state’s liability laws. With the addition of Virginia, the company now offers this coverage to nearly one-third of the country, marking it a leader in the field of state minimum auto insurance.
“Moving into the Virginia market is a winning move for both our business and Virginia drivers,” says company president Jon Diamond. “We are excited about this new opportunity to offer quality auto insurance at competitive rates, keeping Virginia motorists Legal For Less.”
As a result of existing SafeAuto advertising campaigns in the Kentucky, Tennessee and Pennsylvania markets, many Virginia drivers have already heard of SafeAuto’s brand, and now can consider the company as an alternative to other carriers.
SafeAuto launched a marketing campaign to promote their insurance offerings in the state. Those interested right now can call 1-800-SAFEAUTO to get a quote. Be sure to visit SafeAuto’s specially designed site for Virginia auto insurance information at http://www.safeauto.com/state-insurance/virginia-auto-insurance/. On this page, Virginia drivers can see the rules and regulations governing car insurance in their state, and receive free auto insurance quotes.
“Residents of Virginia will love it when they realize how easy it is to do business with SafeAuto, either over the phone or online, 24/7,” says Diamond. “For years, we’ve known that Virginia is for lovers. Now we believe that Virginia is for drivers.”
Virginia drivers who are interested in getting a free quote may do so by calling 1-800-SAFEAUTO or by visiting www.safeauto.com. SafeAuto has products and payment options to meet the needs of those who don’t want to be without insurance, and the company does not check credit scores for prospective customers.
About SafeAuto – www.safeauto.com
SafeAuto Insurance Company is a Property and Casualty Insurance Company based in Columbus, OH. Today, the company provides the state required minimum insurance coverage to automobile drivers in sixteen states including Ohio, Indiana, Kentucky, Georgia, Pennsylvania, South Carolina, Tennessee, Louisiana, Mississippi, Illinois, Missouri, Arizona, Oklahoma, Texas, Kansas and Virginia. SafeAuto is a direct-to-consumer automobile insurance company offering auto insurance over the phone via its 1-800-SafeAuto toll free phone number. For more information visit http://www.SafeAuto.com.
Tags: virginia, expanding, business, insurance, cheap insurance, quote, jon diamond, safeauto
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