VA SB594

Prohibits motor vehicle insurance carriers from adding drivers to a policy based solely on external data sources such as address matching databases, public records, credit reports, or residential searches

Requires insurers to provide written or electronic notice at least 45 calendar days before adding a driver to a policy

Allows the named insured to dispute the addition by providing evidence the person does not reside in their household, such as a recent driver's license, utility bills, mortgage statements, or rental insurance documents

Permits policyholders to complete a verification interview with the carrier as an alternative method to contest the proposed addition

Applies to motor vehicle insurance policies entered into, amended, or renewed on or after January 1, 2027