Virginia Motor Vehicle Accident Settlement Calculator

The statute of limitations for this type of claim in Virginia is 2 years — in line with the national average of 2.8 years. This is a standard timeframe, but acting sooner preserves evidence and strengthens your position. Importantly, Virginia recognizes a discovery rule, which can extend the filing window in cases where the harm was not immediately apparent.

Virginia’s mandatory minimum auto insurance is 50/100/25 (bodily injury per person / per accident / property damage). These minimums provide a reasonable baseline, but serious injuries often generate costs well beyond any minimum coverage amount. Virginia requires both uninsured (UM) and underinsured (UIM) motorist coverage, adding important protection layers for accident victims.

Claims against government entities in Virginia — such as accidents involving government vehicles, city buses, or dangerous road conditions maintained by a municipality — require a formal notice of claim within 180 days. This compressed timeline catches many accident victims off guard. If a government entity may be at fault, consulting an attorney immediately is critical to preserving your right to compensation.