Unlike most other states, Virginia doesn't strictly require drivers on its roads to have auto insurance. However, accidents are inevitable. So it's wise to buy car insurance in case one happens to you. Even the most conscientious driver may one day be involved in a car accident.
Because Virginia allows drivers to be uninsured, an estimated 10% of the state's drivers don't have car insurance. Similar amounts of coverage are also required for underinsured motorists if you choose to take out car insurance in Virginia. For more information, see WalletHub's guides on how much car insurance you need and affordable car insurance in Virginia. Not having car insurance in many states can make you a high-risk driver when buying car insurance.
The Virginia Insurance Office recommends that drivers review their individual circumstances and obtain additional insurance coverage to provide true protection. Some car insurance qualifying factors, such as your driving history, can significantly affect your insurance costs. You'll also find helpful tips to make sure you get the right car insurance for your situation. If you can't drive your car because of a covered loss, this coverage helps pay for a car rental or other transportation expenses so you can get back on the road.
If you get the minimum mandatory insurance coverage, you won't have insurance protection for you, your family, or your vehicle. The consequences of driving without insurance exceed the monthly insurance premium and may result in the following penalties. If Virginia drivers don't purchase at least the minimum required coverage or don't follow the correct protocol to choose not to meet the minimum requirements, they may face the consequences of driving without insurance. The terms, definitions and explanations of insurance are for informational purposes only and do not replace or modify in any way the definitions and information contained in the individual pages of contracts, policies or insurance statements, which are decisive.
With Nationwide, it's easy to customize your policy with affordable options for auto insurance in Virginia. Drivers should also consider taking out other types of auto insurance to better protect themselves, since liability insurance doesn't cover the policyholder's injuries or property. If a driver decides to purchase insurance, Virginia policies have medical payments insurance (MedPay) instead of a PIP.