Are insurance companies in Virginia required to write policies for some high-risk drivers?

Insurance companies in Virginia are indeed required to write policies for some high-risk drivers, which aligns with the answer provided. This requirement is part of the state's commitment to ensuring that all drivers have access to auto insurance coverage, especially those who may struggle to find it due to their driving history or other risk factors.

Virginia utilizes a program known as the Assigned Risk Plan. Under this plan, insurers in the state are obligated to take on high-risk drivers who are unable to secure insurance in the marketplace. This mechanism helps protect drivers who have a history of accidents, traffic violations, or other factors deemed high-risk, ensuring they can legally operate a vehicle and contribute to public safety by having insurance.

Drivers with clean records or those who work in government roles typically do not fall under the category of high-risk, which is why those options do not apply in this context. The focus on high-risk drivers reflects the broader principle of inclusivity in insurance coverage, thereby promoting accountability and safety on the roads for all citizens.