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Virginia Car Accident Laws: Fault, Insurance, and Your Claim

Independently fact-checked against primary sources (last audited August 18, 2026). · Reviewed by the RecordingLaw editorial team. · Law checked current as of August 18, 2026. · 7 primary sources cited on this page. How we verify our legal content

Virginia Car Accident Laws: Fault, Insurance, and Your Claim

Updates

Corrected how Virginia medical-expense (med-pay) coverage works (it must be made available on request and is absent unless purchased, rather than rejected in writing) and reattributed the $3,000 crash-reporting threshold to the investigating officer’s DMV report, restating the driver’s own notice, stop and exchange duties under Va. Code 46.2-371, 46.2-894 and 46.2-896.

Updated the page to reflect that Virginia repealed its $500 pay-instead-of-insure Uninsured Motor Vehicle fee effective July 1, 2024 (all vehicles now require actual insurance), corrected the accident-report property-damage threshold from a stale $1,500 to the current $3,000, and fixed an over-narrow description of the Va. Code 8.01-58 exception.

Independently fact-checked against the cited primary sources; governing law re-checked for recent changes

Governing law re-checked for recent changes

Reviewed and approved by an editor

Sources and References

  1. Va. Code 46.2-472 — Minimum liability insurance limits (50/100/25 eff. 1/1/2025)(law.lis.virginia.gov).gov
  2. Va. Code 38.2-2206 — Uninsured motorist coverage requirements(law.lis.virginia.gov).gov
  3. Va. Code 38.2-2201 — Medical-expense (med-pay) offer requirement(law.lis.virginia.gov).gov
  4. Va. Code 8.01-243(A) — Two-year personal-injury statute of limitations(law.lis.virginia.gov).gov
  5. Va. Code 8.01-243(B) — Five-year property-damage statute of limitations(law.lis.virginia.gov).gov
  6. Va. Code 8.01-244 — Two-year wrongful-death statute of limitations(law.lis.virginia.gov).gov
  7. Va. Code 8.01-58 — Contributory negligence statutory exceptions(law.lis.virginia.gov).gov
  8. Va. Code 46.2-371 - Driver must immediately give notice of an injury or death crash to a law-enforcement officer(law.lis.virginia.gov)
  9. Va. Code 46.2-372 - Driver’s own written report to the DMV Commissioner is permissive(law.lis.virginia.gov)
  10. Va. Code 46.2-373 - Investigating officer forwards a crash report to DMV (injury, death, or $3,000 or more in property damage)(law.lis.virginia.gov)
  11. Va. Code 46.2-894 - Duty to stop, render reasonable assistance, and give identifying information(law.lis.virginia.gov)
  12. Va. Code 46.2-896 - Duty after damaging unattended property(law.lis.virginia.gov)
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