What are Virginia’s motorcycle insurance requirements?

If you are riding a motorcycle in Virginia, you must comply with the commonwealth’s requirements for purchasing motorcycle liability insurance. In addition, having motorcycle insurance is important if you cause an accident or are the victim of one, and the negligent driver does not have sufficient insurance coverage to pay you the compensation you deserve for your injuries.

Motorcycle Insurance Requirements in Virginia

You do not have to purchase motorcycle liability insurance if you pay a $500 Uninsured Motor Vehicle (UMV) fee. However, you would have no liability insurance coverage and Hands Protecting a Motorcyclewould be personally liable for any injuries to victims or property damages caused in the collision if you just paid this fee.

If you do not pay the UMV fee, you are required to purchase motorcycle liability insurance. The minimum liability requirements for this insurance coverage is:

  • $25,000 coverage for one victim’s injuries or death per accident
  • $50,000 coverage for bodily injury or death per accident
  • $20,000 coverage for property damage per accident

Why You Need to Purchase Additional Insurance Coverage

Having the minimum amount of liability insurance will not sufficiently protect you if you cause a crash. You should consider purchasing additional liability coverage to be certain you do not face personal responsibility if a victim suffers serious injuries.

You should also buy additional insurance coverages to protect you if you are injured in a motorcycle accident caused by another driver. Types of insurance that you should consider purchasing include:

  • Collision coverage. This would pay the cost to repair or replace your motorcycle if it were damaged in an accident.
  • Comprehensive coverage. This type of coverage would compensate you for damages caused due to fire, wind, water, theft, or vandalism.
  • Uninsured/underinsured coverage. If you purchase uninsured coverage, this would protect you if the at-fault motorist had no auto insurance as required under Virginia law. Even if they have insurance, it may not be sufficient to fully compensate you if you suffer a serious injury—which is much more common in a motorcycle accident. You could file a claim with your own insurance company if you purchased uninsured motorist coverage.

Were you injured in a motorcycle crash in Virginia Beach or Norfolk? Our experienced motorcycle accident lawyers are here to answer your questions and explain your options to you. Call our office to schedule a free consultation today to learn more.