Uninsured and underinsured motorist coverage in Virginia

Hurt in an accident with an uninsured motorist in Virginia?

Uninsured motorist (UM) and underinsured motorist (UIM) coverage is required for all insured Virginia drivers since 2016. While some may resent having to purchase coverage to protect themselves from drivers who choose little or no insurance coverage, in the long run, having UM and UIM is very valuable if you’re in an accident with an uninsured driver or someone who has the minimum $25,000 coverage.

Getting compensation from an uninsured driver can be difficult. If you’ve been hit by an uninsured or underinsured motorist, all is not lost. To find out more about your legal rights and options, talk to an experienced Virginia traffic accident lawyer. The legal team at GibsonSingleton Virginia Injury Attorneys has obtained substantial results in the past. Take a stand against uninsured drivers today by calling (804) 413-6777 for a free consultation with us.

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UM and UIM may be your most important coverage

UIM coverage is important to have, even if you have UM coverage. This is because Virginia only requires drivers to carry a minimum $25,000 per person per accident for injuries, $50,000 total for injuries per accident, and $20,000 per accident for property damage.

If a driver with only the minimum coverage required ($25,000) hits you and leaves you with $100,000 in medical bills, your UIM coverage will pay compensation once the at-fault driver’s insurance has paid its maximum amount.

• The cost of injuries from your accident: $100,000
• At-fault driver’s maximum coverage: $25,000
• Amount your UIM might pay: $75,000 (providing you have at least $75,000 coverage)

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What if I need a Virginia car accident attorney? Will it cost me?

We at GibsonSingleton Virginia Injury Attorneys sincerely hope you never need our services, but rest assured, we will be there for you if you ever do. There is NO cost to meet with us, and no cost at all unless we win or settle your claim. Traffic accidents can be troubling to sort out, which is why we offer 75 combined years of experience to you. Call (804) 413-6777 to speak with a Gloucester car accident attorney today.

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Additional Information

• What’s Virginia’s new law about Underinsured Motorist (UIM) insurance, and how does it affect me?
• How important is uninsured motorist coverage in Virginia?
• Do car insurance companies care about me?
• What do insurance agents know about uninsured motorists?
• Which kind of car insurance do you probably need more of? (Hint: it costs very little to add more.)
• § 38.2-2206. Uninsured motorist insurance coverage - Virginia Law