Reader’s Question:

What are the car insurance requirements in Virginia?

Adam

Virginia Beach, VA

The State of Virginia has very lenient regulation on car insurance requirements. All of its residents who own and drive a motor vehicle need to obtain uninsured motorist insurance. This apparently results from the fact that its drivers are not obligated to acquire liability insurance of any sort. The number of uninsured drivers in this state amount to 10% of the total drivers’ population. This means that for every ten drivers on the road, one of them has no coverage at all. And getting involved in a traffic accident with this uninsured individual may cost you a fortune in medical payments and car repairs. So, it would be very imprudent to drive and not have any insurance at all to back you up. Obtaining at least the minimum liability car insurance to further protect you from any untoward road accident could prove to be handy in the future. This insurance will kick in to assist you in paying for damages to the other driver. It will pay for needed treatment to injuries sustained form an accident where you were found to be liable. The other driver’s vehicle can also be repaired at the car insurance company’s expense. If you have the Personal Injury Protection (PIP) in effect at the time of the accident, then you will not have to shoulder the expenses for the hospital bills provided that the costs incurred are within the coverage limits.

Tags: auto insurance coverage, car insurance, liability insurance