New Virginia Limits of Liability Effective January 1, 2025

Beginning January 1, 2025, Virginia drivers must carry automotive liability insurance with coverage limits of at least $50,000 for personal injuries or wrongful death per person, $100,000 for personal injury or wrongful death of two or more persons per accident, and $25,000 due to property damage per accident. The new limits of liability coverage are an increase over the prior limits of $30,000/$60,000/$20,000 and follow other recent amendments to the Virginia Code to abolish the uninsured motorist fee and require all drivers to provide proof of insurance to register a motor vehicle. This change also brings the minimum limits of liability into line with the maximum dollar jurisdiction of Virginia’s General District Courts of $50,000 in cases of personal injury or wrongful death and $25,000 for property damage. Combined with the recent amendment to Virginia’s uninsured/underinsured motorist (UIM) statute that took away the UIM’s offset for the amount received from defendant driver’s insurance, there should now be $100,000 of liability coverage for every injured person in ever collision.