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Auto Accident Uninsured/ Underinsured Coverage
What Happens If The Person At Fault In An Accident Has No Insurance?
Anyone who has been injured in an accident has plenty to deal with in recovering from their injuries, dealing with the financial consequences of unexpected medical bills, and lost work time. Unfortunately, in some cases, injury victims also encounter being hit an injured by another driver that doesn’t have insurance coverage. This happens more often than one would think, as over 10% of Virginia drivers don’t have insurance, which means there is no liability coverage.
When a negligent driver causes property damage and bodily injury to innocent accident injury victims, the injured party’s accident injury lawyers usually seek to recover from the liability coverage of the negligent party’s liability insurance. Virginia law requires that these policies provide liability coverage in the following minimum amounts:
- for the bodily injury or death of one person
- for the bodily injury or death of two or more people
- for damage to property
When drivers have liability insurance that is below these limits, the driver is uninsured. A driver is also considered to be uninsured if the driver leaves the scene (hit & run) and is unknown.
How Do Uninsured Motorist Claims Work?
In a normal accident a claim is filed against the at-fault drivers liability auto insurance. However, when that driver’s policy limits are not enough to cover the losses, or the driver is uninsured, there are options that our attorneys can use to help the injury victim recover compensation. These options include:
File a claim through your own UM/UIM Policy
Other Insurance Coverage
Third Party Coverage
Recover from the Driver’s Personal Assets
Understanding Your Accident & Injury Claim
HOW DO I KNOW IF I HAVE A CASE?
WHEN SHOULD I CALL ABOUT MY CASE?
DO YOU CHARGE UPFRONT FEES TO HANDLE MY CASE?
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The Trost Law Difference
At Trost Law Group, our experienced and dedicated Injury Lawyers have used their unrivaled skill and experienced to help thousands of injured clients throughout the state of Virginia for the past 35 years. All of our clients are assigned to a dedicated case manager, and are treated like part of the family. Contact us today to begin the defense of your case with our free, no obligation case review and experience the Trost difference.
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You Pay Nothing Unless We Recover For You!
Fill out the following form or call (434) 528-4222 to request your Free Case Review.
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Randall J. Trost, P.C
801 Main Street, 10th Floor
Lynchburg, VA 24504
122 S Market St.
#B, Danville, VA 24541