Anyone who applies for the registration of a motor vehicle and declares it as an insured vehicle faces severe penalties if it is later discovered that the motor vehicle is not insured. The DMV will suspend all driver's licenses and registration certificates and license plates issued to the owner of the motor vehicle. Although driving without insurance is legal in Virginia, the police will likely ask you to present proof of insurance in the event of an accident. If you don't have an insurance card with you, you can challenge the fine and file valid insurance in court.
The fine won't be on your driving record, but you may still have to pay court fees. Virginia's low insurance limits make it extremely important to select enough car insurance to protect your financial well-being. Driving without car insurance is legal in the state of Virginia, but it can come at a high cost. Your own car insurance policy can also protect you if an at-fault driver injures you and you don't have enough insurance coverage.
For more information about transferring your insurance policy between cars or state vehicle requirements, contact the Virginia DMV. Under Virginia auto insurance laws, auto policies must also include coverage for uninsured or underinsured motorists, with limits equal to the policy's liability limits. You can choose to drive without car insurance in Virginia, but the penalty can cost thousands of dollars in damage if you end up in a car accident. If you are caught driving without car insurance in Virginia, you risk being penalized with a class 3 misdemeanor, the suspension of your driver's license, vehicle registration and license plates.
If you decide not to take out car insurance, Virginia's car insurance laws state that you must pay an additional fee each year, along with the registration of your vehicle. While you can drive legally without car insurance in Virginia, you run a significant risk of legal and financial liability if you cause a car accident.