What should I do if it turns out that the person that injured me was uninsured or doesn’t have enough insurance in my Virginia car accident case?

Did the person that hit you not have enough car insurance?

Unfortunately, drivers drive without enough insurance or insurance at all.  If you’ve been involved in a Virginia car accident and  the defendant (the person that hurt you) doesn’t have enough insurance to cover your claim, look at your auto insurance policy to see what underinsured motorist coverage (UIM) you have.  If it turns out that you have more auto insurance UIM coverage than they do, you can also use your own auto insurance to supplement your claim.

What is underinsured motorist coverage and how does it work?

UIM is coverage you (hopefully) purchased that protects you in case a negligent driver was also negligent in purchasing your own insurance.  To determine how much UIM you have, look at your auto insurance policy.  If it turns out that you have more auto insurance UIM coverage than they do, you can also use your own auto insurance to supplement your claim.

For example, let’s say that the defendant only has $25,000.00 in coverage, but your injuries are worth $150,000.00.  If you have a $300,000.00 UIM claim, you can go after the defendant’s insurance for $25,000.00 and then pursue your UIM claim for the additional $125,000.00.  While you may hesitate in pursuing a claim against your own auto insurance, to be clear, a UIM claim is what we call a “non‑fault” claim.  This means that you didn’t cause the accident; therefore, the insurance company typically does not raise your premiums for pursuing a claim.

This is the reason that we highly recommend drivers obtain $1 million of coverage of UIM.  In doing so, you’re protecting yourself against negligent drivers.  Surprisingly, obtaining $1 million in coverage frequently isn’t much more expensive than purchasing minimal policies.  In our experience, we found that increases to $1 million dollars in coverage can be as little as a couple of hundred dollars a year. We believe this is an excellent investment to protect the future of you and your family.

More questions about your Virginia car accident case? Reach out to Abrenio Law.

Should you have any other questions, reach out to Abrenio Law for a FREE consultation.  Our phone number is 703.570.4180.  Also, take the time to review some of the other blogs, articles, and videos that we have created and will continue to create.  We look forward to meeting you.