All auto insurance policies issued in Virginia must include UM coverage for the same minimum amounts as the liability coverage in the policy. Never assume that your insurance automatically covers your passengers without reading your policy and checking your coverage with your insurance company. Buying the minimum amount of car insurance required to drive in Virginia will save you money on your premium. An SR-22 is a certificate that your insurance company submits to the Virginia DMV, usually electronically, that verifies that you have current insurance coverage that meets the state's minimum liability requirements.
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. UM coverage is standard in Virginia auto insurance policies, unless you have liability limits that exceed the minimum requirements. However, it's important to understand that without adequate auto insurance coverage, you could be left with the bills after a car accident, regardless of whether you caused it or not. Virginia auto insurance law requires that all policies include bodily injury coverage for uninsured motorists and property damage coverage for uninsured motorists equal to the limits of liability coverage purchased.
Virginia drivers can expect a second increase in minimum auto insurance coverage limits on January 1, 2025. If the program cannot verify coverage, the vehicle owner will receive an insurance verification inquiry letter with instructions for submitting policy information through the insurance verification page on the Virginia DMV website.