What type of car insurance is required by law in Virginia?

In Virginia, the law mandates that all drivers must carry liability insurance. This type of insurance provides coverage for damages that you may cause to another person’s property or for injuries you may cause to another individual in the event of an accident for which you are at fault. Liability insurance is critical, as it ensures that compensation is available for the other party involved, fulfilling the state's requirement to protect individuals from costs arising out of such mishaps.

Comprehensive insurance and collision insurance offer additional protections but are not legally required. Comprehensive covers damages to your vehicle from non-collision incidents like theft or natural disasters, while collision covers damages from crashes, regardless of fault. Life insurance, on the other hand, is entirely unrelated to vehicle operation and does not pertain to car accidents or driving laws. Therefore, liability insurance is the only option that fulfills the legal requirement for driving in Virginia.