This coverage helps pay for the injuries or damages you cause in a car accident, including those of the other driver and their passengers. All states, except New Hampshire and Virginia, require drivers to have a minimum amount of liability insurance. However, even drivers in those states may realize that they still need coverage in certain situations. Some car insurance qualifying factors, such as your driving history, can significantly affect your insurance costs.
This type of Virginia car insurance coverage is used to repair your vehicle when physical damage occurs due to incidents not related to a collision (subject to the deductible). In some states, your vehicle can be towed and you won't be able to claim it until you present proof of insurance. Your age and driving experience contribute to the cost of your premium. If you're a new or inexperienced driver, your premium may be more expensive, as insurance companies may consider it riskier to insure you.
These prices are just estimates based on the rates of an average Virginia driver and should not be used to compare insurance prices. It may cost you more per year, but it offers more protection than a policy that only meets Virginia's minimum auto insurance requirements. 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. The types of car insurance that follow this rule are those for uninsured or underinsured motorists, comprehensive and collision coverage, and liability insurance.
Virginia drivers can expect a second increase in minimum auto insurance coverage limits on January 1, 2025. With Nationwide, it's easy to customize your policy with affordable options for car insurance in Virginia. If you cause an accident, liability insurance covers property damage and injuries to other people, including the other driver, their passengers, and pedestrians. If you're hit by a driver who doesn't have enough coverage or a person who doesn't have insurance at all, having liability insurance won't cover you, so having uninsured or underinsured motorist insurance is part of Virginia's minimum car insurance requirements. Since you can drive your car uninsured in Virginia, auto insurance laws require that everyone who buys insurance have coverage for uninsured drivers.
Not having car insurance in many states can make you a high-risk driver when buying car insurance. The consequences of driving without insurance exceed the monthly insurance premium and may result in the following penalties.