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Uninsured & Underinsured Motorist Claims

Uninsured and Underinsured Motorist Claim Attorney

Required Automobile Insurance Coverage Amounts in Virginia

For all policies effective on or after January 1, 2022, minimum automobile liability insurance coverage has increased from $25,000.00 per person to $30,000.00 per person, and the per accident limitations have increased from $50,000.00 to $60,000.00. This means that for a minimum coverage policy in Virginia, an insurance company will pay up to $30,000.00 per injured party, but no more than a total of $60,000.00 for all injured parties in a single accident. 

The minimum coverage amounts for uninsured and underinsured motorist coverage has also increased, with the same minimum limits. This means that policies issued in Virginia must provide uninsured and underinsured motorist coverage in the amount of $30,000.00 per person but no more than $60,000.00 for all injured parties in a particular accident. 

What Is the Difference Between Uninsured Motorist Coverage and Underinsured Motorist Coverage?

Uninsured motorist coverage provides you with a source of recovery in the event that you are injured by an uninsured driver. Underinsured motorist coverage provides you extra protection when you are injured by a negligent driver who does not have as much insurance coverage as you do. For example, if the negligent driver only has the minimum amount of liability coverage of $30,000.00, and you have underinsured motorist coverage of $100,000.00, the negligent party's insurance company will pay the first $30,000.00 of your claim and your insurance coverage will pay the next $70,000.00 of your claim (to get your total recovery to $100,000.00). 

There are a number of different ways that you can be covered under uninsured/underinsured motorist coverage. We know how to tap into the various types of coverage, through differing sources of coverage that may apply to your particular claim. Sometimes the most important aspect of a personal injury claim is the amount of the insurance coverage available for recovery.

Uninsured/underinsured motorist coverage is just as important as liability insurance coverage on your policy. Liability insurance coverage protects you when you have caused an accident. Uninsured/underinsured motorist coverage financially protects you and your family when you have been injured by an uninsured or underinsured motorist. 

I Have Been Injured by a Negligent Uninsured Driver. Do I Have a Claim? Can I Recover Compensation?

If you have automobile insurance required by the Commonwealth of Virginia, you have both a claim and a recovery. Your claim will be against the driver who caused the collision. And your own insurance company will compensate you for your injuries from you uninsured motorist coverage. 

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Our exceptional track record of success has earned our partners numerous accolades. We have also achieved the highest rating of AV Preeminent® by Martindale-Hubbell. We can bring to your case this high level of dedication to legal excellence and client-focused care.

Case Results

  • $100,000 Auto / Pedestrian Accident
  • $1,890,000 Auto Accident
  • $275,000 Auto Accident
  • $140,000 Auto Accident
  • $110,000 Auto Accident
  • $90,000 Auto Accident

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