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Virginia Auto Insurance & Crash Law Library
A public legal education and research library for Virginia auto insurance, crash claims, coverage, fault, damages, deadlines and settlement.
Virginia State Law Library
Numbered guides by legal category
Start with Guide 01 if you are new to the library. Browse all 22 issue guides by legal category. Legal-currentness and source-integrity review remain separate from this layout normalization; verify current primary authority and the actual policy before relying on a summary.
Getting Started in Virginia
Build the coverage and claim map before making a final claim decision.
Coverage & Insured Status
Required insurance, every policy, insured status, UM/UIM, stacking and policy interpretation.
Insurer Duties & Claims Conduct
Disclosure, claims handling, agents, defense and failure to settle.
Vehicle & Use Questions
Borrowed and rental vehicles, work use, rideshare and public-entity vehicles.
Liability & Proof
Fault rules, crash investigation and evidence preservation.
Damages & Resolution
Damages, wrongful death, medical benefits, liens, reimbursement and settlement.
Case Authority
Virginia statutes and appellate authority organized by issue.
Guide 01 · Virginia Citizen’s Guide
How to use this library before making a final claim decision
Build the claim map first. Identify the parties, every potentially applicable policy, insured status, vehicle use, government involvement, fault evidence, damages, insurer communications, medical-payment or reimbursement interests, deadlines and release consequences.
Start with Guide 03, then use Guide 05 and the related coverage guides to collect declarations, endorsements, elections and insured-status information.
Identify each potentially responsible person or entity, including work, commercial, rideshare or government involvement, and read the state-specific liability and vehicle-use guides before assuming ordinary private-party rules apply.
Use Guide 18 for crash evidence, preservation and limitation issues. Keep reports, photographs, video, vehicle data, medical chronology, insurer communications and a separate deadline calendar.
Read Guide 22, the case-authority library and official sources. Identify remaining coverage, liens or reimbursement demands and released parties before a final settlement decision.
Virginia Published-Law Snapshot
Issues identified in the existing Virginia library
50 / 100 / 25
Virginia’s minimum motor-vehicle liability limits are $50,000 per person, $100,000 per accident bodily injury and $25,000 property damage.
Contributory negligence
Virginia retains contributory negligence, making fault preservation and proof critical.
Add-on UIM unless elected otherwise
Virginia UM/UIM generally tracks liability limits unless reduced; UIM is paid without a liability credit unless a named insured makes the statutory written election.
New UIM calculation notice
Policies issued, delivered or renewed after July 1, 2025 must include the statutory notice explaining the UIM calculation choice.
Currentness status: these points are carried forward from the existing Virginia hub. This layout update does not by itself certify legal currentness.
Primary Research
Official Virginia research sources
VictimsGuide is the navigation layer. Current primary authority, the actual insurance contract and the verified factual record control.
Virginia Legislative Information System
Open source →Virginia SCC Bureau of Insurance
Open source →Virginia’s Judicial System
Open source →Virginia DMV
Open source →How this library stays current
Build the complete Virginia coverage and claim map
Use the topic title to identify the research question, then verify current primary authority, effective dates, policy language and the factual record before relying on the guide.
Build the complete Virginia claim map before closing the file.
Find every policy, identify the responsible parties, preserve the evidence and deadlines, and review damages, reimbursement and release consequences before treating the claim as complete.