Do you live in the State of Virginia and have enough car insurance coverage to meet your needs? Most people know they have to have car insurance and take out a policy but if you ask them they usually have no idea what their coverage amounts are. Car insurance in VA is required by State law for most motor vehicles. Getting car insurance in VA is easily obtained by shopping online for comparison quotes. Nearly every state in the U.S. is required to carry some form of insurance or another. Virginia is unique because they actually offer their residents and opt out clause which many states do not.
The Commonwealth of Virginia does require proof of car insurance in VA before issuing a license plate, but they allow drivers to choose to instead pay a $500 fee if they wish to drive an uninsured vehicle at their own risk. Considering the insurance coverage required in Virginia is $25,000 in case of injury or death of one other person, $50,000 if two or more people are injured or killed and $20,000 for property damage, the risk that the drivers who choose to just pay the $500 are taking is obviously a considerable one. The drivers who choose that option receive no sort of coverage or benefit for their $500, other than being allowed to drive without insurance.
Driving without insurance is a dangerous game. If you are involved in an accident and it is deemed to be your fault, and you have no car insurance then you could be in for some serious problems. This is especially true if you hurt someone with them requiring a lot of medical attention or if there is a fatality involved. Without insurance, you could be sued for every penny you have if the damages are exceptional. That means potentially losing everything to your name. When the fee is $500 to be able to drive uninsured it seems silly to go without the insurance when $500 is a substantial amount towards the yearly premium amount. Losing everything you own is not worth the two or three hundred dollars different it would cost you per year.
Make sure proof of insurance is always kept safe in your vehicle. If you are stopped then you need to be able to show it to the officer or serious penalties will arise. If you do not have insurance then you had better be able to show that you paid the fee required to opt out. The commonwealth of Virginia is not lax in their policies and they are very strict about deadline with those who break the law according. If you question whether your insurance is enough, or if you are just looking for cheaper monthly payment amounts then enter your zip code above. Multiple comparison rates for your area will be shown. It is always a good idea to comparison shop and get the best bang for your buck that you possibly can. Be wise and be informed to protect your interests.
