The Virginia Department of Motor Vehicles should be able to provide you up-to-date information on auto insurance in Virginia. But the things what everyone should know are: Virginia legislation mandates the minimal requirement that there be a coverage sum of $25,000 in the case of bodily injury / death of one person, a coverage sum of $50,000 in the case of bodily injury / death of two persons, and a coverage sum of $20,000 in the case of property damage.
Unlike in some parts of the world, such as the United Kingdom, you are allowed to drive an uninsured car in Virginia, if entirely at your own risk. This is permissible pending the payment of a $500 Uninsured Motor Vehicle (UMV) fee, which is paid to the American Department of Motor Vehicles (DMV); but this does not count as insurance. It only lets one drives an uninsured vehicle provided that they meet the minimum driving age and are not at the time not under the influence or anything. (It expires with registration and must be paid at renewal.)
There is the Insurance Verification Program in Virginia which is basically aimed at dealing with insurance related cases in much more comprehensive and efficient way. Firstly, it persuades all the owners of motor vehicles who have registered in the program to keep automobile liability insurance up to date.
It also discovers motor vehicles which are not insured before they get involved in any of the mishaps. It encourages efficiency in the insurance industry by trying to minimize the paper work as much as possible and reduces role of government in the process by directly informing the owners of uninsured vehicles.
The people of Virginia are very proud of this verification program on the grounds of its effectiveness as it works in close collaboration with the three other highly successful insurance monitoring methods prevailing in the insurance industry.
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