Liability Insurance — VA
Liability insurance pays for injuries and property damage you cause to others in an accident — it does not cover your own vehicle or medical bills.
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What Is Liability Insurance Insurance?
Liability insurance is the foundation of auto insurance in Virginia. It pays the other party's costs when you cause an accident — their medical bills, lost wages, vehicle repairs, and legal fees if they sue. Bodily injury liability covers injuries and death. Property damage liability covers damage to vehicles, fences, buildings, and other property. Your own injuries, your own vehicle damage, and your own medical bills are not covered — liability only protects others from your mistakes.
Who Needs Liability Insurance Insurance?
You must carry liability insurance if you are reinstating a suspended license in VA, even if you do not own a vehicle — non-owner liability policies satisfy reinstatement requirements. You need it if you are seeking a restricted or hardship license, as the DMV will not issue driving privileges without proof of coverage. If you caused the suspension by driving uninsured, liability coverage plus SR-22 filing is mandatory for reinstatement.
If your reinstatement letter or court order lists SR-22 as a requirement, liability insurance is non-negotiable — purchase it immediately and request SR-22 filing from your insurer. If your suspension does not require SR-22 and you are not yet ready to reinstate, you can delay coverage — but expect higher premiums the longer your lapse continues.
How Much Does Liability Insurance Insurance Cost?
- Prior claims history — at-fault accidents in the past three years can double liability premiums.
