virginia has a financial responsibilty law this makes all registered motor vehicle owners responsible for any damage or personal they cause

property, injury

Explanation:

The financial responsibility law refers to the law in which the businesses and individuals has to proof or make an assurance that they have sufficient money or assets for covering any damages that arise from an accident

Therefore in the given case, the owners of motor vehicles are responsible for any property damage or the personal injury they case  

(a) when insurance is obtained through a reciprocal insurer, the insureds are sharing the risk of loss with other subscribers of that reciprocal.

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