In Virginia you have to certify that your vehicle has the required minimum amount of car insurance for Virginia before you can register it. If you do not have enough money to purchase insurance, you can pay the $500 fee for Uninsured Motor Vehicle in order to register your vehicle. Of course the fee does not free you from paying for all the expenses if you have caused an accident.

The Virginia Department of Motor Vehicle monitors vehicles and car insurance coverage along with vehicles which did not pay the uninsured motor vehicle fee. If you are caught without insurance and you did not pay the fee for an uninsured vehicle, you will have to pay penalties. You might also lose your driving privileges and your registration. You will then have to pay the amount of $500 if you want to reinstate your license and registration. After all that you will have to file for an SR-22 or the financial responsibility insurance certificate for three years.

In case you find yourself unable to pay your insurance, you should at least pay the uninsured fee. If you let your insurance lapse and fail to pay the uninsured motor vehicle fee we suggest you do not drive the vehicle. You should also surrender your license plate if you cannot pay for insurance or the uninsured vehicle fee.

The Virginia state minimum car insurance coverage is $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more people, and $20,000 for property damage per accident. Virginia also requires you to get your insurance from state-licensed insurance company. You should however purchase the uninsured and underinsured coverage to protect you from having to pay for your medical and property damage expense in case the driver responsible for the accident does not have insurance or does not have enough coverage.