An examination of auto insurance in Virginia basics should include a look at the different types of auto insurance. Accident coverage is the total coverage for a single accident. Injury liability insurance generally refers to coverage against injuries that are a direct result of an accident. Property liability coverage applies to damages or theft of the covered vehicle, and also pays for damage to other property.There are three general steps that you will need to complete in order to obtain car insurance in Virginia: Find the government department that regulates automotive insurance in Virginia. This agency will serve as a central location for many resources on auto insurance. Determine the auto insurance requirements for Virginia. Many drivers will choose to obtain only the minimum insurance that Virginia requires, especially if their car loan has been paid off. Get a quote for auto insurance. There are a large number of auto insurance agencies in Virginia and multiple quotes will help establish a likely range for a given coverage. Locate government agencies that deal with Virginia car insurance coverage Virginia regulates auto insurance, as well as other types of insurance, at the state level. State laws on insurance specify issues such as the insurance coverage requirements, proof of financial responsibility and the licensing requirements for insurance agents.gents. Virginia Bureau of Insurance provides the Virginia Auto Insurance Consumer Find out the minimum coverage limits for Virginia auto insurance rates Insurance agencies frequently provide a summary of the types and amounts of auto insurance that Virginia requires. Other organizations also may provide quick facts on auto insurance requirements in Virginia. Get Virginia auto insurance quotes You can easily obtain quotes for Virginia car insurance over the phone or through email. Most insurance companies will require you to complete a short questionnaire on your vehicle, insurance needs and driving habits. Virginia auto insurance agencies frequently express insurance requirements as a/b/c where the letters a, b and c represent the different types of coverage needed in thousands of dollars. The letter "a" is the bodily injury liability, "b" is the coverage per accident and "c" is the property damage liability. For example, 25/50/10 coverage means that the policy covers $25,000 per injured person up to a total of $50,000 for the accident with additional coverage of $10,000 for property damage.