Virginia License Reinstatement After Uninsured Suspension

Covers medical expenses, lost wages, and legal costs when you injure someone in an at-fault accident. Virginia's 25/50 minimum is among the lowest in the country and covers less than one day in a trauma center. If you caused an accident while uninsured, your reinstatement insurance must carry this minimum, but carriers often recommend 50/100 for drivers with violation history to avoid personal asset exposure in subsequent claims.

Pays for damage you cause to another person's vehicle or property. Carriers writing SR-22 policies after uninsured suspensions in Virginia typically require this minimum, with some refusing coverage below 50/100/50 for repeat offenders.

Not insurance itself, but a form your carrier files electronically with the Virginia DMV proving you maintain continuous coverage. Virginia requires SR-22 for uninsured suspensions, DUI, reckless driving causing injury, and accumulating 12 demerit points in 12 months.

Protects you when hit by a driver with no insurance or insufficient coverage. Virginia law requires every carrier to offer uninsured motorist coverage at limits equal to your liability policy, and rejection must be documented in writing at policy inception. Verbal rejection is invalid. Drivers reinstating after uninsured suspensions are statistically more likely to be hit by another uninsured driver in Virginia's high-uninsured-motorist corridors like Richmond and Norfolk, making this optional coverage worth consideration despite added cost.