How Does Car Insurance Work in Virginia?

Most people hope to never be involved in a vehicle wreck, but it’s good to be prepared just in case. That’s why insurance was created: to protect you financially if the worst happens. If you’ve never had a car accident before, it’s very possible you’ll be asking yourself: How does car insurance work in Virginia?

The basic process has been outlined for you below.

Virginia Car Insurance Information

All drivers in Virginia are required to carry insurance. The minimum amount of insurance coverage that you are permitted to have is listed below.

  • For injury or death to one person in a vehicle collision, your insurance policy must provide $25,000 in coverage.
  • For injuries or death to more than one person in a single auto wreck, your insurance policy must provide $50,000 in coverage.
  • For property damage (not including your own vehicle), your insurance must provide at least $20,000 in coverage.

Filing an Insurance Claim for an Auto Wreck in Virginia

There are two types of insurance claims you can file in Virginia when you’ve been in a wreck. You can file a claim with your own insurance provider, which is what you would likely do if you caused the crash. You can also file a claim with another person’s insurance provider if they were responsible for causing the collision.

To file a claim with someone else’s insurance provider, you will have to prove the fault of the person who caused your crash. You will need evidence of fault and of your injuries and damages.

For more information on filing a claim for a car wreck in Virginia, you can contact a car accident lawyer.

Team Up with a Virginia Vehicle Collision Attorney

It’s important to understand how car insurance works in Virginia. Your accident has caused you damages, and you need to receive a settlement from the insurer to pay for what you’ve been through. Partner with a top-rated Virginia auto wreck lawyer for assistance with your claim and with dealing with insurance providers.

Receive a free case assessment when you call Halperin Law Center at 804-527-0100. You can also contact us by using the internet form below.



MM slash DD slash YYYY

This field is for validation purposes and should be left unchanged.

Whether you’ve been involved in an auto accident, a civil rights violation, or a personal injury, you can rest assured knowing a top-rate Richmond lawyer at Halperin Law Center will give you personalized attention, guidance, and support you deserve. We work tirelessly to help win the compensation and justice you deserve in your case.


Site Built by FreshMove Media


Glen Allen (Main Office & Mail)

Richmond (By Appointment)

Follow us: