VA
Virginia Insurance Regulations
Consumer rights and insurance laws in Virginia
Overview
Virginia Bureau of Insurance regulates the industry as one of the few remaining contributory negligence states. Uniquely, Virginia allows drivers to pay a $500 fee instead of purchasing auto insurance, though they remain personally liable for damages.
Key Insurance Regulations in Virginia
- Contributory negligence — even 1% fault bars recovery
- 2-year statute of limitations for personal injury and property damage
- Allows $500 uninsured motorist fee in lieu of insurance (unique to Virginia)
- Mandatory auto insurance: 25/50/20 minimum liability (or pay $500 fee)
Filing an Insurance Complaint in Virginia
If you believe your insurance company has acted unfairly or violated Virginia insurance laws, you can file a complaint with the Virginia Bureau of Insurance. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.
Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The Virginia Bureau of Insurance typically responds to complaints within 30 days.
Virginia Bureau of Insurance
Insurance Commissioner: Scott A. White
Phone: (804) 371-9741
Website: https://www.scc.virginia.gov/pages/Bureau-of-Insurance
File a Complaint: Consumer Complaint Portal
Insurance Claim Guides for Virginia
Browse our detailed insurance claim guides tailored specifically to Virginia laws and regulations.
Auto Insurance Claims in VirginiaHome Insurance Claims in VirginiaHealth Insurance Appeals in VirginiaInsurance Denial Letter Templates in VirginiaDemand Letter Guide in VirginiaInsurance Settlement Calculator Guide in VirginiaDiminished Value Claims in VirginiaTotal Loss Dispute Guide in VirginiaBad Faith Insurance Claims in VirginiaUnderinsured Motorist Claims in VirginiaUninsured Motorist Claims in VirginiaRental Car Insurance Coverage in VirginiaGAP Insurance Claims in VirginiaInsurance Subrogation Explained in VirginiaPIP (Personal Injury Protection) Guide in VirginiaBodily Injury Claims in VirginiaProperty Damage Claims in VirginiaLiability Claim Process in VirginiaComprehensive Insurance Claims in VirginiaCollision Insurance Claims in VirginiaFlood Insurance Claims in VirginiaFire Insurance Claims in VirginiaTheft Insurance Claims in VirginiaVandalism Insurance Claims in VirginiaAuto Glass Insurance Claims in VirginiaHail Damage Insurance Claims in VirginiaWind Damage Insurance Claims in VirginiaWater Damage Insurance Claims in VirginiaMold Insurance Claims in VirginiaRoof Damage Insurance Claims in VirginiaFoundation Damage Claims in VirginiaSinkhole Insurance Claims in VirginiaEarthquake Insurance Guide in VirginiaHurricane Insurance Claims in VirginiaTornado Damage Insurance Claims in VirginiaLightning Damage Insurance Claims in VirginiaTree Damage Insurance Claims in VirginiaFence Damage Insurance Claims in VirginiaAppliance Breakdown Claims in VirginiaIdentity Theft Insurance Claims in VirginiaCyber Insurance Claims in VirginiaPet Insurance Claims in VirginiaTravel Insurance Claims in VirginiaLife Insurance Disputes in VirginiaDisability Insurance Claims in VirginiaWorkers' Compensation Claims in VirginiaLong-Term Care Insurance Claims in VirginiaDental Insurance Appeals in VirginiaVision Insurance Claims in VirginiaPrescription Drug Appeals in VirginiaAccident Scene Documentation in VirginiaInsurance Adjuster Tactics in VirginiaDiminished Value Calculator Guide in VirginiaTotal Loss Vehicle Valuation in VirginiaPain and Suffering Calculation in VirginiaMedical Bills in Auto Claims in VirginiaLost Wages Insurance Claims in VirginiaFiling a Bad Faith Insurance Lawsuit in VirginiaWhen to Hire a Car Accident Lawyer in VirginiaInsurance Claim Timeline Guide in VirginiaIndependent Vehicle Appraisal Guide in VirginiaAppraisal Clause in Auto Insurance in VirginiaDiminished Value by State in VirginiaTotal Loss Threshold by State in VirginiaRental Car After an Accident in VirginiaYour Rights During Car Repairs in VirginiaOEM Parts in Insurance Claims in VirginiaInsurance Negotiation Tactics in VirginiaDemand Package for Auto Claims in VirginiaCommon Insurance Claim Denial Reasons in VirginiaStatute of Limitations for Auto Claims in VirginiaFiling Claims in No-Fault States in VirginiaAt-Fault Accident Claims in VirginiaComparative Negligence in Claims in VirginiaUninsured Motorist Property Damage in VirginiaHit and Run Insurance Claims in VirginiaParking Lot Accident Claims in VirginiaRideshare Accident Insurance Claims in VirginiaCommercial Vehicle Accident Claims in VirginiaDeer Collision Insurance Claims in VirginiaFlood Car Damage Claims in VirginiaCatalytic Converter Theft Claims in VirginiaCar Break-In Insurance Claims in VirginiaTire Blowout Accident Claims in VirginiaPothole Damage Insurance Claims in VirginiaHail Damage Car Claims in VirginiaHow to Review Your Auto Insurance Policy in VirginiaAuto Insurance Coverage Gaps in VirginiaMulti-Vehicle Accident Claims in VirginiaDisputing Fault Determination in VirginiaFiling an Insurance Commissioner Complaint in VirginiaNegotiating Diminished Value Claims in VirginiaFighting a Total Loss Declaration in VirginiaBodily Injury Settlement Guide in VirginiaInsurance Fraud Prevention Guide in VirginiaSubstandard Auto Repair Claims in VirginiaTotal Loss Buy-Back Process in VirginiaInsurance Claims After a DUI in VirginiaCommercial Auto Insurance Claims in VirginiaStorage Unit Insurance Claims in Virginia
Other State Insurance Regulations
AL — AlabamaAK — AlaskaAZ — ArizonaAR — ArkansasCA — CaliforniaCO — ColoradoCT — ConnecticutDE — DelawareDC — District of ColumbiaFL — FloridaGA — GeorgiaHI — HawaiiID — IdahoIL — IllinoisIN — IndianaIA — IowaKS — KansasKY — KentuckyLA — LouisianaME — MaineMD — MarylandMA — MassachusettsMI — MichiganMN — MinnesotaMS — MississippiMO — MissouriMT — MontanaNE — NebraskaNV — NevadaNH — New HampshireNJ — New JerseyNM — New MexicoNY — New YorkNC — North CarolinaND — North DakotaOH — OhioOK — OklahomaOR — OregonPA — PennsylvaniaRI — Rhode IslandSC — South CarolinaSD — South DakotaTN — TennesseeTX — TexasUT — UtahVT — VermontWA — WashingtonWV — West VirginiaWI — WisconsinWY — Wyoming
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