You must purchase at least the minimum limits of these coverages to comply with state insurance laws. Having the best car insurance can save you from paying huge sums of money out of pocket in the event of a car accident. Insurance companies can include in their policy premium the driving history of anyone of driving age who resides in the insured's home. Virginia drivers who are caught driving under the influence of alcohol or drugs (DUI) have different insurance requirements than those with a clean driving record.
Unlike most other states, Virginia doesn't strictly require drivers on its roads to have auto insurance. Under Virginia law, drivers must obtain the minimum required car insurance coverage or pay a fee for driving without insurance. The only benefit is that it gives you the legal ability to drive on public roads in Virginia without being subject to fines or penalties for not having insurance coverage. Car insurance in Virginia is fairly simple, but it's worth noting that car insurance isn't technically required in Virginia.
The cost of FR-44 insurance in Virginia is higher than the cost of SR-22 insurance because SR-22 drivers can still purchase the standard minimum liability limits. Driving without car insurance in Virginia is illegal if you don't take the necessary steps to comply with state regulations. The Virginia Insurance Office recommends that drivers review their individual circumstances and obtain additional insurance coverage to provide true protection. You'll also find helpful tips to make sure you get the right car insurance for your situation.
Many drivers in Virginia choose to purchase additional auto insurance coverage for greater financial protection. Two common times when you'll need to show proof of insurance are when the police stop you or when you receive a notification from the DMV Insurance Verification Program. While buying only the state minimum requirements for car insurance may seem sufficient to avoid legal and financial problems, most insurance professionals recommend buying higher limits for greater protection. A car insurance deductible is simply the amount you'll have to pay before the insurance company assumes the rest of the costs.