Is the car insured or the driver in virginia?

Car insurance generally includes cars in Virginia. The types of car insurance that follow the car in Virginia are liability for bodily injuries, liability for personal injuries, protection against uninsured motorists, collision, and all risks. If you have an accident while driving without insurance in Virginia, you will be cited and all penalties for driving without insurance will apply, no matter who is at fault. If you borrow a car from someone who lives in their own home, it must be listed on the car owner's policy.

Bodily injury liability insurance and property damage liability insurance cover injuries or damage that you accidentally cause with your car. The consequences of driving without insurance are ultimately more costly than buying minimal car insurance coverage. Another important Virginia auto insurance law to consider is the registration grace period for new residents. Insurance companies can include in their policy premium the driving history of anyone of driving age who resides in the insured's home.

For insurance companies, it's similar to having a bad driving record, which is why drivers who let their insurance expire for 60 days pay approximately 20% more than the average premium in Virginia. Buying Virginia minimum liability auto insurance coverage is the easiest way to meet the financial responsibility requirement. Your own car insurance policy can also protect you if an at-fault driver injures you and you don't have enough insurance coverage. If you let someone lend you your car and that person causes an accident in Virginia, bodily injury liability insurance pays for the injuries of the other driver and their passengers.

Virginia's low insurance limits make it extremely important to select enough car insurance to protect your financial well-being. If you are injured in a car accident that wasn't your fault, the biggest concern will be whether the at-fault party has car insurance. Brooke worked for five years in private practice at a law firm specializing in insurance defense litigation before becoming the litigator for Allstate Insurance Company in the greater Richmond area. Penalties for uninsured driving in Virginia include fines, license and registration suspension, high-risk insurance requirements, and increased monitoring for three years.

Kara Munsell
Kara Munsell

Infuriatingly humble coffee buff. Passionate burrito junkie. Unapologetic social media ninja. Avid music geek. Passionate bacon ninja. Subtly charming tv trailblazer.

Leave Reply

All fileds with * are required