MVA and home improvement leads in Virginia
Virginia had 8,880,107 residents in the Census Bureau estimate for July 1, 2025. Two Virginia rules shape injury lead buying: a claimant whose own negligence helped cause the crash is barred from recovering, and since July 1, 2024 every registered vehicle must carry liability insurance. Virginia also has a telephone solicitation statute that reaches text messages.
Summit Leads supplies home improvement and MVA leads in all U.S. states, including Virginia. Buyers set filters down to the ZIP code. Leads are exclusive by default: each lead is sold to one buyer. Shared delivery is available if a buyer asks for it.
Request Virginia lead supplyVirginia MVA leads: contributory negligence and a two-year window
Virginia uses a fault-based system with no no-fault threshold. The Department of Motor Vehicles announced that from July 1, 2024 the option to pay a fee rather than maintain insurance was eliminated, and that all vehicles registered in Virginia must carry a policy meeting the state's liability limits. Under Va. Code 38.2-2206, auto liability policies issued in Virginia must also include uninsured and underinsured motorist coverage, while medical expense benefits under 38.2-2201 are provided on the insured's request. The other driver's liability coverage and the claimant's own underinsured motorist coverage are both worth recording on a Virginia lead.
The rule that shapes Virginia injury claims is contributory negligence. Virginia has not adopted comparative fault. The civil model jury instructions published by the Virginia courts tell jurors that when both the plaintiff and the defendant were negligent they may not compare the negligence of the parties, and that any negligence of the plaintiff which was a proximate cause of the accident bars the plaintiff from recovering. A claimant who was speeding, looking at a phone or ran a light can lose the whole claim, even with a serious injury and a clearly negligent defendant.
For buyers, liability is the first Virginia filter, not the last. Fields that help a law firm judge the fault question include who was cited, whether the claimant was stopped or rear-ended, whether a police report exists and whether the other driver admitted fault. The MVA quality bar on this site already asks for clear or favorable liability; Virginia buyers can ask for more detail on how the accident happened and set filters so only clear-liability accidents reach their clients.
Timing follows Va. Code 8.01-243(A): every action for personal injuries, whatever the theory of recovery, must be brought within two years after the cause of action accrues. Buyers set a maximum accident age well inside that window so the firm has time to collect records and test the fault question before filing.
Sub-types, filters and the quality bar are on the MVA leads and car accident leads pages.
Virginia home improvement leads: ownership and 1984 housing
The Census Bureau puts Virginia's owner-occupied housing unit rate at 67.3% for 2020-2024, so about two Virginia households in three own their home. Homeowner confirmation still removes renters, and owner-only campaigns such as roof replacement, siding and gutters, and windows depend on it.
The median year structure built for Virginia housing units is 1984 in the ACS 5-year estimates for 2020-2024, so half of the housing units were built in 1984 or later and half earlier. A statewide Virginia campaign spans a wide range of housing, so buyers usually pick the ZIP codes their contractor clients serve and filter by project type: roofing, flooring, siding and gutters, bathroom renovation, or bathroom and windows.
Virginia puts contractors under the Board for Contractors at the Department of Professional and Occupational Regulation. Code of Virginia 54.1-1103 says no person shall engage in, or offer to engage in, contracting work in the Commonwealth without a license under that chapter; the board issues Class A, B and C licenses, and the class sets the size of contract a firm may take on. When a sale is made at the buyer's home, the Virginia Home Solicitation Sales Act gives the buyer until midnight of the third business day after signing to cancel (Code of Virginia 59.1-21.3), by written notice to the seller.
Project types and filters are listed on the home improvement leads and roofing leads pages.
Consent records and the Virginia Telephone Privacy Protection Act
Each lead carries its TCPA consent record (opt-in language, timestamp, IP address and page URL), so the record travels with the lead to your system.
The Virginia Telephone Privacy Protection Act (Va. Code 59.1-510 to 59.1-518, amended in 2025) defines a telephone solicitation to include text messages to Virginia area code or Virginia resident numbers. It limits solicitations to between 8:00 a.m. and 9:00 p.m. local time unless the person gave prior consent, and opt-out requests, including STOP or UNSUBSCRIBE replies to texts, must be honored for at least 10 years. Consumers can sue over violations. The consent record on each Virginia lead (opt-in language, timestamp, IP address and page URL) is what a buyer relies on if a call or text is later questioned. This is a summary for education, not legal advice.
Our guide to state telemarketing laws compares the states that add rules on top of the TCPA.
Virginia facts for lead buyers
| Fact | Value | Source |
|---|---|---|
| Auto insurance system | Fault-based; insurance required for every registered vehicle since July 1, 2024 | New Laws Take Effect, Today, July 1, 2024Virginia Department of Motor Vehicles |
| Uninsured and underinsured motorist coverage | Included in auto liability policies (Va. Code 38.2-2206) | Va. Code 38.2-2206, Uninsured motorist insurance coverageVirginia Law Library |
| Medical expense benefits | Provided upon request of the insured (Va. Code 38.2-2201) | Va. Code 38.2-2201, Medical, chiropractic, hospital, and funeral expense coverageVirginia Law Library |
| Personal injury statute of limitations | Two years (Va. Code 8.01-243(A)) | Va. Code 8.01-243, Personal action for injury to person or propertyVirginia Law Library |
| Comparative fault rule | Pure contributory negligence: any negligence of the plaintiff that proximately caused the accident bars recovery | Virginia Model Jury Instructions, Civil (Release 26, April 2026)Supreme Court of Virginia |
| State telemarketing law | Virginia Telephone Privacy Protection Act, Va. Code 59.1-510 to 59.1-518 (amended 2025) | Va. Code 59.1-510, Virginia Telephone Privacy Protection Act definitionsVirginia Law Library |
| Population | 8,880,107 (July 1, 2025, Vintage 2025 estimate) | QuickFacts: VirginiaU.S. Census Bureau |
| Owner-occupied housing unit rate | 67.3% (ACS 2020-2024) | QuickFacts: VirginiaU.S. Census Bureau |
| Median year structure built | 1984 (ACS 5-year 2020-2024) | Table B25035, Median Year Structure Built: Virginia (ACS 5-Year 2020-2024)U.S. Census Bureau |
| Contractor licensing | State license from the Board for Contractors (DPOR) required for contracting work, in Class A, B or C (Code of Virginia 54.1-1103) | Code of Virginia 54.1-1103, Necessity for licenseVirginia General Assembly |
| Home solicitation cancellation | Three business days: until midnight of the third business day after signing (Code of Virginia 59.1-21.3) | Code of Virginia 59.1-21.3, Buyer's right to cancelVirginia General Assembly |
Last reviewed: September 19, 2026. A summary for education, not legal advice.
Virginia lead buying questions
Is Virginia an at-fault state for car accidents?
Yes. Virginia uses a fault-based system with no no-fault threshold, so an injured person claims against the driver who caused the crash. Since July 1, 2024, every vehicle registered in Virginia must carry insurance that meets the state's liability limits.
Can a Virginia claimant who was partly at fault recover?
Generally no. Virginia keeps pure contributory negligence: the model jury instructions tell jurors not to compare negligence, and any negligence of the plaintiff that was a proximate cause of the accident bars recovery. That is why Virginia buyers filter hard on liability.
How long do Virginia accident victims have to file suit?
Two years after the cause of action accrues, under Va. Code 8.01-243(A), whatever the theory of recovery.
Does every Virginia policy include underinsured motorist coverage?
Auto liability policies issued in Virginia must include uninsured and underinsured motorist coverage under Va. Code 38.2-2206, with narrow exceptions such as certain umbrella policies. It can matter when the at-fault driver carries low limits.
Do Virginia solicitation rules cover text messages?
Yes. The Virginia Telephone Privacy Protection Act defines a telephone solicitation to include texts to Virginia area code or Virginia resident numbers, and STOP or UNSUBSCRIBE replies must be honored for at least 10 years. This is a summary for education, not legal advice.
Can we buy Virginia leads only in certain areas?
Yes. Summit Leads supplies home improvement and MVA leads in all U.S. states, including Virginia, and buyers choose the states or ZIP codes they buy in, with filters and caps set per campaign.
Request Virginia lead supply
Tell us the verticals you buy in Virginia, the ZIP codes you cover, your daily volume and how you take delivery. Return terms are discussed on the onboarding call and agreed before going live.
Start small, with no long-term commitment
- No long-term contract. Pause or stop at any time.
- No setup fee and no monthly fee. You pay only for leads delivered that match your filters.
- Start with a small test volume and scale when the numbers work.
- Leads are exclusive by default: each lead is sold to one buyer.
- Return terms are agreed on the onboarding call, before you go live.
Or write to team@summitleads.ai. We reply by email.
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