1. Virginia's auto liability system is best described as:

A tort (fault) system rather than a no-fault system

Virginia uses a traditional tort/fault system for auto liability, not a no-fault system.

2. Virginia's financial responsibility minimum auto liability limits are commonly cited as:

30/60/20 (bodily injury per person/per accident and property damage)

Virginia's minimum auto liability limits are commonly cited as 30/60/20; exact figures can change, so verify current law.

3. In Virginia, uninsured/underinsured motorist (UM/UIM) coverage on an auto policy is:

Mandatory and generally provided at the policy's liability limits unless adjusted as allowed

Virginia requires UM/UIM coverage, generally at the bodily injury liability limits, subject to options allowed by law.

4. Historically, Virginia allowed some motorists to drive without buying liability insurance by:

Paying an Uninsured Motor Vehicle (UMV) fee, though the state has moved toward mandatory insurance

Virginia historically permitted payment of an Uninsured Motor Vehicle fee in lieu of insurance; the state has moved toward requiring insurance, so verify current rules.