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Virginia’s New Insurance Requirements
Virginia Drivers Are Now Better Protected
Virginia’s legislature passed new regulations for car insurance requirements in March of 2021. The new requirements increased minimum liability coverage for drivers in Virginia over a period of 3 years beginning in January 2022, with an increase to a $30,000 policy. January 1st. 2025, the final increase went into effect, requiring licensed drivers to carry a minimum of $50,000 of liability coverage on their vehicle.
This change came in an attempt to address the rising costs of car accidents on residents. The rising costs are attributed to several factors, including increased medical expenses, higher vehicle repair costs due to advanced technologies, and a greater number of accidents. Lawmakers believe the additional insurance coverage will help provide financial protection for individuals involved in car accidents.
Uninsured Drivers Face Stiff Penalties in Virginia
NO MORE FREE PASSES
In addition to the increase in coverage required, Virginia also removed the option for uninsured motorists to register vehicles by paying a fee to the DMV. Effective July 1, 2024, all drivers are required to carry minimum liability coverage. Penalties for driving without the proper insurance are a $600 fine, the suspension of driver’s license, registration, and license plates until all fees are paid and proof of insurance and financial responsibility is furnished to the DMV.
January 1, 2025 Car Insurance Requirements
NEW RULES FOR DRIVERS
Effective January 1, 2025, Virginia has increased its minimum auto insurance liability coverage requirements to better protect drivers involved in accidents. The new minimums are:
- $50,000 for bodily injury or death per person
- $100,000 for bodily injury or death per accident
- $25,000 for property damage per accident
Finding Coverage After an Accident
One of the most important jobs an experienced car accident lawyer has is making sure after a serious accident, they find all the available insurance coverage to pay for your losses. Besides basic liability coverage from the other driver, your own policy or that of a resident relative may be used to help get you the money you need to get back on your feet. If you have been injured and need help navigating the insurance web, call our team today. They may be able to unlock coverage you don’t know you have.
“We see first-hand how not having enough insurance can make a bad situation much worse after an accident.” – Brother Rutter, Managing Partner
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Workers Compensation
If you’ve been injured on the job, workers’ compensation insurance may entitle you to critical assistance like medical treatment, lost wages, and more. But insurance companies will put up an aggressive fight to resist paying you the compensation you need and deserve. Rutter Mills can help get you the money you deserve.
