In the state of Virginia can you have a car without insurance?

In Virginia, it is mandatory for all vehicle owners to have active auto insurance. Driving a car without insurance is illegal and can result in severe legal consequences, including fines, license suspension, and potential criminal charges.

Here are some of the key points regarding auto insurance in Virginia:

1. Liability Coverage: All drivers in Virginia must carry liability insurance, which provides coverage for bodily injuries and property damage caused to others in an accident you cause. The minimum liability limits required in Virginia are $25,000 for bodily injury per person, $50,000 for total bodily injury per accident, and $20,000 for property damage.

2. Uninsured Motorist Coverage: Uninsured motorist coverage protects you and your vehicle in case you're involved in an accident with a driver who doesn't have insurance or doesn't have enough insurance to cover the damages. It is highly recommended to have uninsured motorist coverage to protect yourself from the financial burden of dealing with an uninsured driver.

3. Proof of Insurance: All drivers in Virginia must carry proof of insurance in their vehicles. This can be done by displaying a valid insurance identification card or by keeping an electronic proof of insurance on a mobile device. Failure to provide proof of insurance can result in fines and other legal penalties.

4. Penalties for Driving without Insurance: Driving without insurance in Virginia is considered a traffic infraction. If caught driving without insurance, you may face fines, license suspension, and impounding of your vehicle. Additionally, if you cause an accident while driving without insurance, you could face significant financial and legal consequences.

5. Financial Responsibility Law: Virginia has a Financial Responsibility Law that requires drivers involved in accidents to provide proof of financial responsibility, regardless of who is at fault. If you are unable to provide proof of insurance or meet the financial requirements, you may have your driver's license suspended until you comply with the law.

It's essential to understand that driving without insurance not only puts you at financial risk but also exposes you to legal consequences. It is highly advisable to maintain active auto insurance coverage to protect yourself, your vehicle, and others on the road.