Is Virginia a No-Fault Insurance State?

Rutter Mills Law Firm

Is Virginia a No-Fault Insurance State?

Legal Info

The Commonwealth of Virginia is an “at-fault” insurance state. Unlike in states that follow “no-fault” insurance rules– a party who is injured in an automobile accident does not pursue compensation from their own insurance company. They seek indemnification from the at-fault drive or that driver’s insurance.

Understanding Virginia’s fault-based insurance law is the key to recovering the largest available damages award. For more than 50 years, the personal injury lawyers at Rutter Mills have helped Virginia crash victims to recoup the compensation that they deserve.

Who does an injured car accident victim sue to recover damages?

Under Virginia law, a person who has suffered property losses or injuries in an automobile accident has three options to recover damages:

  1. Filing a car crash negligence lawsuit against the at-fault driver.
  2. Filing a third-party claim against the at-fault driver’s insurance company.
  3. To the extent the injured party has direct coverage, filing a claim directly with their auto insurance carrier.

A knowledgeable and experienced personal injury attorney can help an accident victim with these options so that they recover the most significant available damages award– from all possible sources of recovery.

How can a Virginia car accident victim recover damages if the at-fault driver is not insured?

By some estimates, more than 10% of the drivers on Virginia’s roads and highways are either uninsured or underinsured. You will likely have poor prospects of recovering damages from them. If you carry Personal Injury Protection (PIP) insurance, that coverage will indemnify you up to the limits of your policy.

If your damages exceed your policy limits, a personal injury attorney can help you to determine if any other parties share fault for the accident, including, for example, a county or state highway authority that contributed to the accident by failing to maintain roadways.

Contact our Rutter Mills Car Accident Lawyers for a free consultation

Your opportunity to receive damages for your losses and injuries is a function of understanding the state’s “at fault” insurance laws– and the coverage that those laws require. Our lawyers at Rutter Mills have more than 50 years of experience with those laws.

Please see our website or call our Norfolk offices as soon as is possible after you have suffered injuries in a car crash in Virginia Beach, Newport News, Portsmouth, or anywhere else in Virginia. Our lawyers will investigate all sources of damages recovery in your case and will fight to get you the compensation you deserve.

Additional Resources:

  1. Insurance Requirements.
  • Virginia Auto Insurance Guide.

Contact a Rutter Mills attorney to speak about your case today.

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Dave Put His Trust in Us

Don’t Fall For The Insurance Company’s Games

Dave suffered serious injuries in a car accident. The defendant’s insurance company tried to offer him a low amount so Dave called Rutter Mills. We took over dealing with the insurance and got Dave the money he needed to get back on his feet.

They enabled me to be happy in life again.

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Glenn’s car accident changed his life, but not permanently thanks to the help of his Rutter Mills attorney. When the insurance companies wouldn’t help him, our team fought back and won.

I knew I needed Rutter Mills.

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On his way home from work at the shipyard, Dan was involved in an accident. He tried to file a claim on his own, but the insurance company wouldn’t give him the money he needed to put his life back on track. Dan knew he needed to call Rutter Mills.

They actually won my case 3 times!

Larena's Win

After her car accident, Larena asked her father, a local stevedore, for his advice on who to call. He recommended Rutter Mills. Her team of car accident experts at Rutter Mills fought back when the insurance companies tried to deny her the money she needed to recuperate from her injuries. We took her case to trial – and won. When the insurance company filed their appeals, we beat them again – two more times! Larena got the money she needed and the justice she deserved.

We’re going to immediately call Rutter Mills. That’s the people I trust with my baby girl.

Who Do You Trust With Your Family?

After a car accident, Jamaree’s first call was to her mom. She was shaken up and scared. Mom told her “We’re calling Rutter Mills. Her next was to Rutter Mills. Her Rutter Mills car accident team helped her get compensation “above & beyond” what she was expecting.

They lifted allot of stress off my shoulders. I recommend them to anybody because they WILL fight for you.

Who Can You Turn To?

Referrals From Friends and Family

After John was seriously injured in a motorcycle accident, he turned to the person he trusts most for a recommendation. His wife, a paralegal of 30 years, told him to call Rutter Mills on the advice of the lawyer she worked for.

They really care for you as a person. Words cannot describe what Rutter Mills did for me and for my case.

When You Need Someone In Your Corner

Don’t Go It Alone

When the insurance company tried to get Carol to sign paperwork after her car accident, she knew she needed a lawyer. Carol knew she needed Rutter Mills.

When I called Rutter Mills, I knew it was the right fit. They’re so interested in helping you get justice.

Getting The Justice You Deserve

When Mom Needs Strength

Taryn was in a car accident while she was pregnant. She knew she needed someone in her corner to protect her rights and her family’s future.

There’s attorneys, then there’s Rutter Mills.

We're Here When The Unexpected Happens


A devasting accident changed Levon’s life forever. The physical and emotional toll left him scared and in pain. When the insurance company for the defendant contacted the family, they made an offer that did not even cover the cost of the medication, much less doctors’ bills, and physical therapy. They knew they needed to talk to a serious lawyer. Rutter Mills took care of the negotiation so Levon could focus on healing.

When you’ve got a serious injury, you need a serious lawyer. That’s why we chose Rutter Mills.

Motorcycle Accidents Change Everything

When Ed was injured in a motorcycle crash, he knew he needed a serious lawyer to protect his rights. The insurance companies were fighting him every step of the way. Rutter Mills helped prove Ed’s case and get him the money he needed to get on the road to recovery.

With the seriousness of the accident, I knew that we needed a serious lawyer. I needed Rutter Mills.

Carol & Levon's Story

They knew they needed a serious lawyer when Carol and her son were seriously injured. After the other party’s insurance company tried to get her to settle for less than she needed, Carol called Rutter Mills for help. We took on the insurance company so she could focus on healing.

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