What happens if you get caught driving without Virginia auto insurance coverage in place? If you are unable to produce proof of coverage during a traffic stop or following an accident, your license and vehicle registration will be revoked.
To have your driving privileges reinstated, you will have to pay a $500 statutory fee. In addition, you will have to have your new auto insurance company file a Financial Responsibility Insurance Certificate (SR-22) with the Department of Motor Vehicles for a three-year period. A reinstatement fee may also be required.
A driver who has had a lapse in coverage may find it challenging to find an insurance company willing to provide coverage. You may be classified as a high risk for insurance purposes, and an insurance company willing to write a policy will charge you higher rates than if you had kept your coverage constant.
During the three-year period where you are required to have an SR-22 in place, your insurance company will be required to notify the Department of Motor Vehicles if your policy is canceled or not renewed for any reason.
Rather than run the risk of being caught driving without insurance coverage, a much better choice is to make sure that at least the minimum level of coverage required by state law is in place at all times. A driver can buy a basic policy to keep his or her car insurance costs down.