An accident is unpredictable. You will never anticipate what will happen on the day. The most serious case of accidents is excessive speed or road rage. In this case, Virginia Law, drivers may either purchase car insurance privately or pay the state to drive uninsured. Paying a $500 fee to the state allows a vehicle to operate without insurance. Includes minimal coverage. There is no difference with other insurance claims, rather be a responsible driver. Insurance claims are not mandatory but necessary.