A standard VA auto insurance policy provides at least the minimum level of protection required under state law. Liability insurance is a legal requirement, and this type of coverage pays for claims made by the occupants of the other vehicle involved in an accident.
All drivers in Virginia must have at least $25,000 in bodily injury liability insurance coverage to pay for the claims made by one person injured in an accident and $50,000 to pay for all medical bills and related expenses stemming from the accident.
State law also requires VA drivers to buy at least $20,000 in property damage liability protection. This coverage pays for repairs to public property damaged or destroyed in the accident, including buildings, sheds, fences, mail boxes, sign posts and light stands. Property damage coverage is also used to pay for repairs to the other driver’s vehicle following an accident.
As long as a driver has at least this level of protection in place, he or she is complying with the legal requirements set for the state. Since these limits are relatively low, it’s a good idea to consider buying a policy with a higher limit. Since VA is a tort state, the at-fault driver in an accident must pay for the damages he or she is responsible for causing. If the level of damages is higher than the available coverage, the driver responsible for causing the accident must pay the difference personally.