Virginia may be for lovers but it isn’t exactly the safest state for motorists when they are involved in a car accident. In fact, the state of Virginia has some of the most relaxed insurance requirements in the nation. For this reason, it is vital that Virginians obtain excellent insurance coverage for their vehicles, whether it is required by law or not. CarInsuranceQuotes.com has made the often time consuming task of finding low-cost car insurance much easier for our Virginia customers. CarInsuranceQuotes.com shops our online partners to find the lowest available car insurance quotes so our customers can choose the policy that fits both their needs and their budgets.
Virginia Car Insurance Requirements
Because liability coverage is not required in Virginia, the state has made Uninsured Motorist protection mandatory for all Virginia drivers. Uninsured Motorist protection helps cover repairs for damages to the insured’s vehicle and any medical expenses they have when the other driver is at fault but has insufficient car insurance coverage or if the insured’s vehicle is damaged during a hit and run.
Virginia is one of the few that does not require that its motorists maintain minimum liability coverage on their vehicles. Liability coverage helps pay for damages to the other driver’s vehicle and any medical expenses they may result from an accident in which the insured driver is responsible. Even though the state of Virginia doesn’t require liability coverage it is strongly recommended that all motorists maintain minimum bodily injury protection of $25,000 for a single person and $50,000 for multiple persons and $10,000 in property damage liability for their vehicle.
It is also strongly recommended that all Virginia motorists obtain Comprehensive and Collision coverage for their vehicles. In the event that the insured person is responsible for the accident, Comprehensive and Collision insurance will pay for their repairs and medical expenses, as well as covers repairs to the insured’s vehicle up to the blue Book value if the vehicle is totaled or if it damaged wildlife or other acts of nature.
Even though the average cost of car insurance premiums for Virginians rose slightly from $1575 in 2006 to $1591 in 2007 they still remain well below the national average of $1896. The actual price a motorist will pay, however, can vary greatly depending on the type of vehicle they own, their driving history and their credit record.
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