Car insurance in VA is similar to many states. Specifically, the Commonwealth of Virginia requires prior to the purchase of license tags, or registration decals that the owner can prove are insured for the minimum amounts. If insurance cannot be established at the time of purchase of license plates, or registration decals there is a provisional fee that can be paid to the (DMV).
If the vehicle is uninsured the Department of Motor Vehicles requires a five hundred dollar fee to be paid plus the cost of licensing plates, or registration decals. The motor vehicle fee for the uninsured is valid for a period of 12 months and can also be prorated for shorter periods of time. This fee does not provide insurance coverage. In the event of an accident or property damage as a result of driving an uninsured motor vehicle the motorist will still retain liability for all resulting claims.
Any person(s) who falsely certify they have car insurance in VA may be and are found to be uninsured will face stiff fines, suspension of driver privileges, registration privileges. Further the fees that will be required are the uninsured motor vehicle fee of $500 dollars, a $145 dollar reinstatement fee, and the mandatory filing of proof of insurance also known as financial insurance responsibility certification (SR-22) for a period of three years. During the required three year period if car insurance in VA is canceled Insurance companies cooperate and notify the Department of Motor Vehicles of the cancellation. This cooperation between Insurance companies and the Department of Motor vehicles (DMV) allows motor vehicles maintain the required car insurance in VA.
The minimum coverage for car insurance in VA is bodily injury or death of one person for twenty-five thousand, bodily injury or death of two or more people fifty thousand, and property damage of twenty thousand. Bodily Injury, death, and property coverage are utilized in the case of an accident; and injury or death or property damage occurs as a result of an accident that all parties involved are able to settle in most cases resulting claims without catastrophic financial impacts that affect the quality of life for parties involved. Motorists who fail to prove they have the stated minimum coverage can be found personally liable for all resulting claims for death, injury, or damage to property.
The (DMV) for the Commonwealth of Virginia uses verification program for car insurance in VA. This program allows the administration of the Department of Motor Vehicles to protect the interests of motorists within the state. This program is a cooperative effort between the DMV and insurance companies, by using this system the Department of Motor Vehicles is able to detect motor vehicle owners who are not in compliance with insurance requirements. The verification of compliance happens with two conditions. The first is when license plates or registration tags are purchased. The second verification occurs when any current car insurance in VA is canceled. To improve your coverage or to just get a comparison quote, enter your zip code above to see what policies are available in your area.
