What If The At-Fault Driver Doesn’t Have Insurance?
The Virginia Department of Motor Vehicles requires Virginia motorists with a driver’s license to carry minimum insurance coverage. These minimums are:
- $25,000 bodily injury/death coverage for one person
- $50,000 bodily injury/death coverage for two or more persons
- $20,000 property damage coverage
Most drivers have policies that carry these minimums, other drivers unlawfully fail to obtain any auto insurance at all. When this happens and another driver without insurance causes an accident, you may wonder about your legal options.
When a negligent driver’s policy is not enough, you can turn to your own policy to recover compensation.
Your own uninsured/underinsured motorist coverage picks up where the previous policy left off. You must first file a claim so your insurance company can investigate your situation, which is typically followed by a settlement offer.
The Importance Of Getting An Experienced Lawyer On Your Side
Claims involving uninsured or underinsured motorists are complex. It is vital to have an attorney on your side with experience in these cases, as well as one who has a background dealing with insurance companies and their representatives.
I am attorney Craig P. Tiller, an experienced auto accident injury lawyer who has helped people in Lynchburg with auto accident claims, including issues involving uninsured or underinsured auto insurance coverage, for more than 25 years.
Quick Settlement Offers: Remain Cautious
An insurance company may offer you a quick settlement. However, do not accept any offer until you speak with a lawyer. Insurance companies are not in business to maximize your benefits; they work to minimize their liability.
I have worked extensively with insurance companies and know their strategies. I will not allow them to minimize your claim and I will fight to see you get the benefits you deserve.
I also know how to deal with multiple insurance companies if you carry “stacked” policies, which could add another layer of complexity to your case.
Schedule A Consultation To Learn More
Let me offer the advocacy you need to ensure you receive full compensation following an accident.