What happens if you get into a car accident with someone in Virginia who doesn't have insurance?

Are you supposed to call the police if you're in an accident? I know that insurance isn't required for some people. Would that impact coverage for an accident?

Answer provided by
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Emily Maracle
Answered on Jul 09, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“While it’s not illegal to drive without insurance in Virginia, you’ll still want to follow normal accident procedures.
This means you’ll want to:
  • call the police
  • exchange information
  • take pictures
  • inform your insurance company
If the person you get into an accident with is uninsured and at fault, you should also make sure you have the proper coverages in place to protect yourself.
As Virginia doesn’t require insurance as part of the state minimum car insurance required, an uninsured driver is financially responsible for all damage they cause. This could cause issues for you when attempting to get your medical bills or vehicle damages covered.
It’s recommended you carry the highest amount of uninsured motorist coverage you can afford. By doing so, you’ll ensure you and your vehicle are protected in an accident.”
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