Virginia Car Insurance

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Liability Car Insurance

Here our customers can gain access to free quotes on Virginia auto liability insurance coverage.

Bear in mind that a basic Virginia car insurance policy will not protect you or your vehicle from damage. Basic Virginia car insurance policies are better known as 'auto liability policies' and they only meet minimum state standards. The minimum Virginia auto insurance limits are available by following the previous link to the state's official 'liability laws' page. When you purchase this type of Virginia car insurance policy, it will only help you pay the medical bills or vehicle repair bills of a person whom you injure or kill while driving. In other words, liability auto insurance keeps the driver legal, but doesn't offer any protection from paying for damages to your own vehicle or injuries to yourself. If you want Virginia car insurance that will support you if your family, commercial, or classic vehicle is damaged, then collision car insurance is for you!

Liability Information:


In order to fully understand what liability car insurance means, we must first understand what exactly a liability is. 

A liability is any fiscal responsibility you are found to be obliged to fulfill either by a law suit or other claim for damages. Liability insurance then is any type of insurance coverage that protects it's policy holder from being sued for damages resulting from a certain activity that involves risk, i.e. driving a motor vehicle.

This means that when you buy auto liability insurance coverage in the state of Virginia, your insurance is designed to protect you from being sued for damages due to injury or death as a result of your operation of a motor-vehicle. Nowhere do auto liability insurance plans mention damages to your property, or benefits for treatment of your own injuries. Always remember that liability auto insurance is the bare minimum when it comes to auto insurance, and we can get you the bare lowest price.


Liability Limits:


Every state has different requirements when it comes to how much auto liability or indemnity insurance is required to operate a vehicle legally.There are usually three values associated with these minimum liability limits. The three points that usually determine an insurance policy's ability to fulfill the minimum liability requirements are the benefit amounts for: Bodily injury or death to one person, bodily injury or death to all persons, and lastly benefits for property damage caused by an accident. 

The official auto liability insurance minimums for the state of Virginia are as follows:

  • Bodily injury/death of one person $25,000
  • Bodily injury/death of two or more persons $50,000
  • Property damage $20,000

As mentioned before however, these values only apply to damages resulting from injuries, death, or destruction of the property of others. Liability insurance will not offer you or your passengers any financial compensation for an accident found to be your fault.

Do I have to Buy Liability Insurance?


Of course not! driving a car is a privilege and not a right however, so if you don't purchase liability car insurance, there are very few alternatives that allow you continue driving legally.

As an alternative to purchasing Virginia auto liability insurance to protect your assets, you can assume your own liability by submitting an optional $500 uninsured motor vehicle fee to the Virginia department of motor vehicles

Paying the optional UMV fee as it is called, does not mean that you're protected against being sued however. Instead you are paying a lump sum to prove your financial responsibility, and also assuming the risk of your own actions. This means that whether you bump into a classic car while parking, or kill someone while driving late at night, you are solely responsible from money damages resulting from bodily injury, death, or property damage to any and all parties.

Too Broke For Anything Else?

If you are only interested in this auto insurance option because you are required to have it, and you have absolutely no spare money to invest in a more robust policy that can give you more confidence about your coverage, then at the very least we can get you a rock bottom price on your policy.

We search through dozens of reputable auto insurance providers in and out of Virginia in order to bring you free quotes on only the most affordable polices within your budget. In as little as five minutes over the phone, one of the helpful and knowledgeable insurance agents at SkyBlue Insurance Agency Inc. can get you free quotes and a free auto insurance consultation to ensure that you are not paying any more than you have to for the bare-minimum coverage of Virginia auto liability insurance!

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