UIM coverage provides additional payments for personal injury and property damages if the expenses from a car crash exceed the at-fault driver’s liability insurance coverage. UM coverage provides payments for personal injury and property damage suffered in an accident caused by an uninsured motorist or an unidentified hit-and-run driver. This is why insurance companies offer uninsured/underinsured motorist coverage (UM/UIM), and why Virginia requires insurers to offer UM coverage equal to liability coverage sold. Given the average car costs more than $35,000 and that the average hospital stay costs more than $10,700, you can see that the minimum auto liability coverage required in Virginia will not go far in a serious car accident. $20,000 for property damage, such as the cost to repair or replace the other driver’s vehicle.$50,000 bodily injury coverage, the maximum for all persons in a single accident.$25,000 bodily injury coverage for each person injured in the accident (medical and/or funeral expenses, lost wages, pain and suffering).
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Most Virginia drivers have the minimum required liability coverage, which provides: The good news is that 90 percent of drivers in Virginia do have auto insurance. Are You Insured Against an Uninsured / Underinsured Motorist?
#Dc t711 uninsured vehicle driver#
What happens if you are hit by an uninsured driver on a highway in Charlottesville, Harrisonburg, Winchester, Staunton or Woodstock? At Kendall Law Firm, we suggest you contact a car accident attorney experienced with Virginia uninsured motorist accident claims right away. The state will even finance the UMV fee so drivers can pay it over time.Ībout 10 percent of Virginia drivers do not have auto insurance, according to the Insurance Research Council. Under the Virginia State law, a driver who has an uninsured vehicle can pay an uninsured motor vehicle fee of $500 to be allowed to drive without a car insurance and no penalties for 12 months. The annual fee is a few hundred dollars less than the average annual premium for auto liability insurance in Virginia. In fact, Virginia does not require automotive liability insurance. However, Virginia drivers are sometimes involved in car accidents with motorists who do not have auto liability insurance. Most drivers know that if they are involved in a car accident someone else has caused, then the at-fault driver’s auto liability insurance will pay for their losses.
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