If You're Uninsured and Get in an Accident in Virginia

Until July 1, 2024, Virginia drivers could either purchase a minimum amount of auto insurance coverage or pay the Virginia Department of Motor Vehicles (DMV) a $500 uninsured motorist fee. The uninsured motorist fee let people drive without car insurance. However, effective July 1, 2024, the uninsured motorist fee is repealed, and all Virginia drivers must carry minimum liability insurance.

Driving without insurance in Virginia is no longer allowed.

The Benefits of Car Insurance Coverage

If you are an underinsured or uninsured driver and get into a car accident, dealing with the aftermath can be especially complicated. You could be held personally liable and financially responsible for another person’s property damage, bodily injury, and medical bills.

Driving uninsured and paying out of pocket for damages can cost you much more than purchasing an auto insurance policy.

Virginia Is an At-Fault State

Virginia is an at-fault state, meaning that negligent drivers can be held legally liable for damages they have caused. You have the legal right to hold an at-fault driver responsible for your damages.

Navigating an Auto Accident Lawsuit

If you don’t have car insurance and are sued by another driver for a car accident, a judgment could be entered against you. This is a serious financial risk. Carrying minimum coverage from an insurance company can protect you from the financial fallout of a car accident.

If you are facing legal action for causing a car accident, it’s highly recommended that you consult with an experienced car accident attorney as soon as possible. Most attorneys offer a free consultation. Your attorney will be able to review the specific nature of your case and help you take the appropriate steps to protect your rights.

For more information on this area of law, see our overviews of personal injury and motor vehicle accidents.