In Virginia, driving without insurance is taken seriously and thus courts hand out harsh penalties. The VA DMV lists driving without insurance as coming with penalties such as fines, and the suspension of your driver's license and vehicle registration. Virginia will also normally require you to file a financial responsibility insurance certificate (SR-22).

Virginia requires minimum auto insurance coverage of 25/50/20 for bodily injury/death of one person $25,000, bodily injury/death of two or more persons $50,000 and property damage $20,000. When purchasing license plates in VA you must certify that the vehicle is covered by these insurance requirements or pay the uninsured motor vehicle (UMV) fee.

VA vehicle owners who are uninsured or have not paid the UMV fee will have their driving and vehicle registration privileges suspended. To be reinstated the motorist must pay a $500 statutory fee, file a Financial Responsibility Insurance Certificate (SR-22) with the DMV for 3 years and pay a reinstatement fee.

So if at the scene of the accident you were ticketed for driving without insurance this citation will result in fines, suspension of your driver's license, and cancellation of the registration on all vehicles that you own or co-own. To find out the amount of your fine, call the court listed on the citation since the amount can vary depending on the jurisdiction in which you received the citation.

If you were at fault in the accident you would normally be held personally liable for the damages the car and driver sustained. If you did not reimburse the other party on your own the other party could seek a judgment in court against you. However if you were not at fault then you should be able to make a claim against the at fault party for your damages.

So that you are no longer an uninsured motorist contact us for a car insurance policy.