Minimum liability insurance policy limits; policies in effect in January If you are caught driving without car insurance in Virginia, you risk being penalized with a class 3 misdemeanor, the suspension of your driver's license, vehicle registration and license plates. Because Virginia allows drivers to be uninsured, an estimated 10% of the state's drivers don't have car insurance. For more information about transferring your insurance policy between cars or state vehicle requirements, contact the Virginia DMV. Driving without car insurance is legal in the state of Virginia, but it can come at a high cost.
Liability limits in auto insurance are the maximum amount your insurance company will pay for injuries and property damage in accidents you cause. You can choose to drive without car insurance in Virginia, but the penalty can cost thousands of dollars in damage if you end up in a car accident. The minimum insurance coverage that Virginia needs only provides basic liability coverage; it's in your best interest to seek additional insurance coverage that exceeds the minimum requirements. Having an attorney who knows personal injury and auto insurance laws is useful for anyone operating an uninsured vehicle.
Insurance companies can include in their policy premium the driving history of anyone of driving age who resides in the insured's home. The PIP is optional and can increase the amount of your annual auto insurance premiums, but it provides the financial and mental security that you won't have to pay out of pocket if you're involved in an accident. Drivers should also consider taking out other types of auto insurance to better protect themselves, since liability insurance does not cover the injuries or property of the policyholder. For example, both collision insurance and comprehensive insurance cover damage to the policyholder's car.
If you don't have an insurance card with you, you can challenge the fine and file valid insurance in court. For more information, see WalletHub's guides on how much car insurance you need and affordable car insurance in Virginia. It can be tempting to drive without insurance to save money, but the risk of having an accident is present every time you get in your car. Car insurance in New Hampshire is fairly standard compared to the rest of the country; it's a small but densely populated state.