You can protect yourself against Virginia drivers who choose to not buy adequate coverage
I think that most insurance agents in Virginia do not do a good job of selling consumers car insurance. I base this on the typical coverages that I see my clients have.
Look, car insurance is relatively cheap. If you have $100/300 coverage, it doesn't cost that much more per year to get a million dollars of coverage.
Why would you do this. Because of my first sentence above. Most people are underinsured. When someone who hurts you in a car accident is underinsured, your own policy will pick up the difference -- IF you have bought more insurance than they have.