VA insurance not required and bikers subsidize this
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Stellar HDF Member
Joined: Jul 2018
Posts: 3,338
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From: VA
VA insurance not required and bikers subsidize this
If you look in VA DMV information you can legally register a vehicle without insurance!!!! You give them $500 in leu of showing insurance coverage and you are good to go!!! You still have no insurance, but you can register and drive your vehicle. Now because of this, for motorcycle riders, you will probably note that 1/3 rd of the cost to insure a full coverage bike will be uninsured motorist. Why so high? Because if someone without insurance hits a biker they are not going to stick around. They have no insurance and now you and your insurance company will have to take them to court. Oh, people in other states and the Police have no idea about this. Heck as I was getting new insurance quotes many agents didn't know this. I think it's time that we change the law. Talk to your representative and tell them that this has to end. I'll see if I can speak to the AMA, HOG and the antique vehicle clubs to get them to help.
Road Warrior
Joined: Sep 2016
Posts: 1,952
Likes: 903
From: South Florida (Ft Myers area)
False, you actually cannot drive your vehicle on the road in Virginia without insurance, it is still required to have the minimums to drive on the road or some form of financial responsibility. Supposedly the police know if you have insurance when running plates. The penalties are severe for driving on the road without insurance, doesn't matter if no accident, a car or a motorcycle.
Virginia is in the average range for number of uninsured motorists, Washington DC is in the 10 worst though.
Virginia is in the average range for number of uninsured motorists, Washington DC is in the 10 worst though.
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Stellar HDF Member
Joined: Jul 2018
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From: VA
To purchase license plates or decals, you must certify that the vehicle is covered by the minimum insurance requirements or pay the Uninsured Motor Vehicle Fee. Insurance requirements also apply to antique motor vehicles. Your insurance carrier must be authorized to conduct business in Virginia.
Virginia requires the minimum coverage limits set forth in the Code of Virginia § 46.2-472.
Insurance companies may factor in their policy premium the driving record of any individual of driving age that resides within an insured's household. If you have any questions regarding the potential impact a newly licensed driver may have on your policy, you may wish to contact your insurance agent.
The $500 Uninsured Motor Vehicle (UMV) fee, which is paid to the Department of Motor Vehicles (DMV), does not provide any insurance; it only allows you to drive an uninsured vehicle at your own risk. It expires with your registration and must be paid at renewal. If you are driving an uninsured vehicle and are involved in an accident, the other driver may notify DMV that your vehicle is uninsured as part of reporting the accident to DMV.
Self-insurance or Surety Bonds are special options for owners of business vehicles. Details are available at any DMV office.
Virginia requires the minimum coverage limits set forth in the Code of Virginia § 46.2-472.
Insurance companies may factor in their policy premium the driving record of any individual of driving age that resides within an insured's household. If you have any questions regarding the potential impact a newly licensed driver may have on your policy, you may wish to contact your insurance agent.
The $500 Uninsured Motor Vehicle (UMV) fee, which is paid to the Department of Motor Vehicles (DMV), does not provide any insurance; it only allows you to drive an uninsured vehicle at your own risk. It expires with your registration and must be paid at renewal. If you are driving an uninsured vehicle and are involved in an accident, the other driver may notify DMV that your vehicle is uninsured as part of reporting the accident to DMV.
Self-insurance or Surety Bonds are special options for owners of business vehicles. Details are available at any DMV office.
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Stellar HDF Member
Joined: Jul 2018
Posts: 3,338
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From: VA
Response. To purchase license plates or decals, you must certify that the vehicle is covered by the minimum insurance requirements or pay the Uninsured Motor Vehicle Fee. Insurance requirements also apply to antique motor vehicles. Your insurance carrier must be authorized to conduct business in Virginia.
Virginia requires the minimum coverage limits set forth in the Code of Virginia § 46.2-472.
Insurance companies may factor in their policy premium the driving record of any individual of driving age that resides within an insured's household. If you have any questions regarding the potential impact a newly licensed driver may have on your policy, you may wish to contact your insurance agent.
The $500 Uninsured Motor Vehicle (UMV) fee, which is paid to the Department of Motor Vehicles (DMV), does not provide any insurance; it only allows you to drive an uninsured vehicle at your own risk. It expires with your registration and must be paid at renewal. If you are driving an uninsured vehicle and are involved in an accident, the other driver may notify DMV that your vehicle is uninsured as part of reporting the accident to DMV.
Self-insurance or Surety Bonds are special options for owners of business vehicles. Details are available at any DMV office.
So did you soil yourself when you read this???
Virginia requires the minimum coverage limits set forth in the Code of Virginia § 46.2-472.
Insurance companies may factor in their policy premium the driving record of any individual of driving age that resides within an insured's household. If you have any questions regarding the potential impact a newly licensed driver may have on your policy, you may wish to contact your insurance agent.
The $500 Uninsured Motor Vehicle (UMV) fee, which is paid to the Department of Motor Vehicles (DMV), does not provide any insurance; it only allows you to drive an uninsured vehicle at your own risk. It expires with your registration and must be paid at renewal. If you are driving an uninsured vehicle and are involved in an accident, the other driver may notify DMV that your vehicle is uninsured as part of reporting the accident to DMV.
Self-insurance or Surety Bonds are special options for owners of business vehicles. Details are available at any DMV office.
So did you soil yourself when you read this???
Road Warrior
Joined: Sep 2016
Posts: 1,952
Likes: 903
From: South Florida (Ft Myers area)
There is no tie to the $500 fee and any increased uninsured motorist activity in Virginia, as I stated, it is average and not a high percentage. So, it is not the reason uninsured motorist insurance is high.
Facts + Statistics: Uninsured motorists | III shows 10.5% and ranked 31.
As you so thoughtfully posted, it is still required by law to have insurance to drive a vehicle in Virginia.
If you are going to be an ***, I doubt many are going to join your cause.
Did you soil yourself reading the FACTS!
Facts + Statistics: Uninsured motorists | III shows 10.5% and ranked 31.
As you so thoughtfully posted, it is still required by law to have insurance to drive a vehicle in Virginia.
If you are going to be an ***, I doubt many are going to join your cause.
Did you soil yourself reading the FACTS!
Thread Starter
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Stellar HDF Member
Joined: Jul 2018
Posts: 3,338
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From: VA
Go to their website. In fact I posted their info directly from their website. I posted that I wanted to change the law with every VA motorcycle club and HOG and AMA. I few of the responses from the clubs agreed. They said it has been going on forever but that cars are now worth more and parts not so easy to get.To purchase license plates or decals, you must certify that the vehicle is covered by the minimum insurance requirements or """""pay the Uninsured Motor Vehicle Fee"""". I'm adding this. The fee for Uninsured Motor Vehicle is $500. See at bottom in black bold lettering
Insurance requirements also apply to antique motor vehicles. Your insurance carrier must be authorized to conduct business in Virginia.
Virginia requires the minimum coverage limits set forth in the Code of Virginia § 46.2-472.
Insurance companies may factor in their policy premium the driving record of any individual of driving age that resides within an insured's household. If you have any questions regarding the potential impact a newly licensed driver may have on your policy, you may wish to contact your insurance agent.
"""""The $500 Uninsured Motor Vehicle (UMV) fee, which is paid to the Department of Motor Vehicles (DMV), does not provide any insurance; it only allows you to drive an uninsured vehicle at your own risk. It expires with your registration and must be paid at renewal. If you are driving an uninsured vehicle and are involved in an accident, the other driver may notify DMV that your vehicle is uninsured as part of reporting the accident to DMV.
Insurance requirements also apply to antique motor vehicles. Your insurance carrier must be authorized to conduct business in Virginia.
Virginia requires the minimum coverage limits set forth in the Code of Virginia § 46.2-472.
Insurance companies may factor in their policy premium the driving record of any individual of driving age that resides within an insured's household. If you have any questions regarding the potential impact a newly licensed driver may have on your policy, you may wish to contact your insurance agent.
"""""The $500 Uninsured Motor Vehicle (UMV) fee, which is paid to the Department of Motor Vehicles (DMV), does not provide any insurance; it only allows you to drive an uninsured vehicle at your own risk. It expires with your registration and must be paid at renewal. If you are driving an uninsured vehicle and are involved in an accident, the other driver may notify DMV that your vehicle is uninsured as part of reporting the accident to DMV.
Road Master
Joined: Nov 2019
Posts: 932
Likes: 677
From: Ohio
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Stellar HDF Member
Joined: Sep 2020
Posts: 2,426
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From: Southeast
Not sure what the percentage of uninsured motorists is in Florida (assume it is VERY high), but I can tell you that in my instance, 50% of those involved had insurance. 
Growing up, we always felt insurance was a way to protect us, should we cause damage to someone else's property. Seems with the increase in renters, there's less they need to protect so insurance is merely an additional cost for no real benefit to those spending the cash. And, worry about the other guy? Just watch the way they drive and you'll find out how much you matter to them!
In Florida, you don't even NEED insurance on a motorcycle! They don't even ask for proof when they hand you your plate.
Growing up, we always felt insurance was a way to protect us, should we cause damage to someone else's property. Seems with the increase in renters, there's less they need to protect so insurance is merely an additional cost for no real benefit to those spending the cash. And, worry about the other guy? Just watch the way they drive and you'll find out how much you matter to them!
In Florida, you don't even NEED insurance on a motorcycle! They don't even ask for proof when they hand you your plate.
Last edited by Tcrafty; Nov 29, 2022 at 06:19 AM.
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From: Honah Lee
If you look in VA DMV information you can legally register a vehicle without insurance!!!! You give them $500 in leu of showing insurance coverage and you are good to go!!! You still have no insurance, but you can register and drive your vehicle. Now because of this, for motorcycle riders, you will probably note that 1/3 rd of the cost to insure a full coverage bike will be uninsured motorist. Why so high? Because if someone without insurance hits a biker they are not going to stick around. They have no insurance and now you and your insurance company will have to take them to court. Oh, people in other states and the Police have no idea about this. Heck as I was getting new insurance quotes many agents didn't know this. I think it's time that we change the law. Talk to your representative and tell them that this has to end. I'll see if I can speak to the AMA, HOG and the antique vehicle clubs to get them to help.
Actually, if an uninsured car hits you, you don't sue them to get your bike fixed. Your insurance company fixes your bike.
That is covered by the requirement in VA that those who do have insurance are required to have the uninsured rider on their plan.
I think you quote that the uninsured is 1/3 of the policy is way too high. Least in all my experiences it is.
My opinion is VA decided they can't make people buy insurance. (Go figure
). Problem is most need a car to function and get ahead in our system. So they make everyone cover for them while they move up and hopefully buy a new car and the loan people will require them to buy insurance.Of course it doesn't work out for all.
Seasoned HDF Member
Joined: Feb 2008
Posts: 22,999
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In many states they do not really enforce not having insurance. Considered racist here so tickets or enforcement only happens to selected groups.
When one of them hits you . Judge will tell you that is why you carry insurance.
All the do to register is show a faked one on the phone good to go.
When one of them hits you . Judge will tell you that is why you carry insurance.
All the do to register is show a faked one on the phone good to go.