Delaney Simchuk, Car Insurance Writer
@delaney_simchuk
If you don’t have bodily injury coverage in Virginia, you may be held responsible for medical expenses resulting from accidents you cause, but you will not be breaking the law. In Virginia, you can opt out of carrying personal auto insurance by paying a $500 fee with the state department of motor vehicles every time you renew your vehicle registration.
Key Things to Remember About Virginia Bodily Injury Liability Coverage
- Bodily injury liability coverage is one component of liability car insurance, along with property damage liability insurance.
- Bodily injury insurance generally pays for others’ medical expenses after an accident you were at fault for, up to your policy limits.
- If you choose to have personal auto insurance in Virginia, you are required to carry $30,000 in bodily injury liability coverage per person and $60,000 per accident.
- Even though Virginia does not require bodily injury coverage, remember that you can still be held personally responsible, and be sued, for other people’s medical expenses after an accident you caused.
To learn more, check out WalletHub’s guide to how much car insurance you need.
People also ask
How much car insurance do I need in Virginia?
Drivers in Virginia need $30,000 of bodily injury liability insurance per person (up to $60,000 per accident) and $20,000 of property damage liability insurance. Virginia also requires uninsured motorist protection. UM replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits.
Here’s How Much Car Insurance Drivers Need in Virginia:
| Coverage Type | Minimum Coverage Limit |
| Bodily Injury Liability... | $30,000 |
What is the penalty for driving without insurance in Virginia?
The penalties for driving without insurance in Virginia include fines, suspension of license and registration, high-risk insurance requirements, and increased monitoring for three years. You can avoid these consequences by meeting Virginia’s proof of financial responsibility requirements. Virginia requires that all drivers have at least $30,000 in bodily injury liability coverage, up to $60,000 per accident, along with $20,000 in liability coverage for property damage. You can also choose to deposit securities with the DMV...
read full answerHow much bodily injury coverage do I need in Virginia?
In Virginia, you need $30,000 in bodily injury coverage per person ($60,000 per accident) if you purchase car insurance. Bodily injury liability coverage pays for other people's injuries after a car accident that you cause, and it can also cover your legal fees if you are sued after a crash. However, car insurance is not required in Virginia if you pay the $500 uninsured motor vehicle fee.
Even though Virginia doesn't always require car insurance, it's always...
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