What is AdVANtage?


AdVANtage is a self-insurance pool that provides affordable liability, uninsured motorist and physical damage protection for commuter vanpools. Vanpools that are licensed and registered in the Commonwealth of Virginia are eligible to become members. Vanpool owners join by paying annual membership fees to the pool that they would traditionally make payments to in the form of premiums. These fees are used to self-insure the AdVANtage member vanpools. The goal of the AdVANtage Program is to ensure that current vanpools remain in service and to encourage the formation of new vanpools.

AdVANtage Coverage

  • Liability protection for 7-passenger & 15-passenger vans with limits of $1 million per claim per accident
  • Uninsured/underinsured motorist protection (statutory limits)
  • Medical payments coverage ($5,000 per person)
  • Comprehensive and collision coverage standard
  • Towing and roadside assistance (labor only) included up to $250


AdVANtage is a collective partnership brought to you by the George Washington Regional Commission's TDM Program, GWRideConnect, the Virginia Department of Rail and Public Transportation, and the Division of Risk Management at the Virginia Department of the Treasury.

The AdVANtage program is administered by:

Virginia Division of Risk Management

The Division of Risk Management (DRM) is a division of the Virginia Department of the Treasury and has been operating risk management and self-insurance programs, and providing claim and loss control service, since 1986. DRM is the claims administrator for the AdVANtage self-insurance pool that provides claim and loss control services.

George Washington Regional Commission

The George Washington Regional Commission (GWRC) is the “planning district commission” established by the General Assembly for the region comprising the City of Fredericksburg and the counties of Caroline, King George, Spotsylvania and Stafford, known collectively as “Planning District 16.”