Uninsured Motorist Accidents
Virginia Auto Insurance Regulations for Drivers
At Hall & Sethi, PLC, we provide compassionate representation to clients injured in car accidents. Being involved is a car crash is a stressful and scary experience. If you have suffered an injury, and the other driver is uninsured, your insurance will have to cover the cost of all injuries and property damage caused by the accident. This can make it difficult for you to receive the financial settlement you deserve. With the help of our experienced Reston car accident attorneys, you can understand your options for pursing compensation and receive knowledgeable legal assistance.
Hall & Sethi, PLC has successfully guided numerous clients through the Virginia legal system. Contact our firm today to schedule an initial consultation!
Accidents Involving Uninsured Motorists
According to the Insurance Research Council (IRC), about 1 in 7 drivers are uninsured in the United States. This means they do not have basic insurance liability coverage in case of an accident. If you have been involved in a car accident with an uninsured motorist, the cost of the accident will end up on you and your insurance company.
Since the other driver has no insurance, you will not be able to file a traditional claim to receive compensation. Your own policy may cover some or all of the cost. This depends on if the insurance agency finds your claim valid and agrees to pay you compensation on top of all the other damages it has to pay for the accident. In some cases, you may have to file a personal lawsuit against the driver for damages. Depending on the situation, you may be able to get a settlement to cover medical expenses, lost wages, property damage, and pain and suffering.
Uninsured Motorist Coverage
Since there are so many uninsured drivers on the road, insurance companies are now offering uninsured motorist coverage. This usually comes in two parts. Uninsured motorist bodily injury (UMBI) coverage provides a financial buffer to help cover injuries, and uninsured motorist property damage (UMPD) coverage provides money to help cover vehicle damage.
With uninsured motorist property damage coverage, you may receive compensation for:
- Damaged cars
- Damaged houses or properties
- Damaged fences
- Damaged personal property items
Some uninsured motorist coverages have split limits. This means there is a difference of coverage if the accident involves injuries to one person, as opposed to accidents involving injuries to more than one person. Other coverage is based on a combined single limit, meaning there is one amount your insurance company will provide to any accident, no matter how many people are injured.
Underinsured Motorist Coverage
While uninsured motorists have no insurance at all, underinsured motorists have a little. However, it is not enough to cover the expenses of the crash. If the other driver is found to be at-fault for the accident, you can pursue a lawsuit to receive compensation for your injuries. Our firm can stand by your side and help determine an effective legal strategy for pursuing a financial settlement.
Many insurance companies also offer underinsured motorist coverage. This may provide bodily insurance coverage, as well as property damage coverage. If you are involved in an accident with a driver who only has minimum coverage that does not pay for your injuries and property damage, having underinsured motorist coverage can provide a buffer. However, if you do not have uninsured or underinsured motorist coverage, your ability to receive compensation after an accident may be hindered.
The Importance of Obtaining Representation for Your Case
While having uninsured and underinsured motorist coverage can help protect your financial stability in case of an accident, it still may not cover all the damages. If you have been injured in an accident, and the other driver has no insurance coverage, it is important to obtain knowledgeable legal assistance. Our Reston car accident attorneys can answer your questions and tirelessly work to uphold your rights to compensation. We can represent you to your insurance company and help you file a claim.
Depending on the situation, you may have to file a lawsuit against the person responsible for the accident. It is important to note that Virginia is a contributory negligence state. This means only people deemed completely innocent of the accident may receive compensation. Thus, if you are found to be 1% responsible for the accident, you will not be able to seek a financial settlement. At Hall & Sethi, PLC, we can conduct a thorough investigation into the accident and represent you in court. If the court determines the uninsured motorist was at-fault for the accident, you will be able to start the process to pursue compensation. Having experienced legal counsel can make a huge difference in a car accident case.
Dedicated Legal Assistance for Car Accident Victims
Hall & Sethi, PLC strives to meet the legal needs of each client. If you have been involved in an accident with an uninsured motorist, we can help you understand your options for receiving compensation. Whether you seek a financial settlement through your insurance company or file a personal lawsuit against the driver who is responsible for the accident, our experienced Reston car accident lawyers can represent you from start to finish. With more than 65 years of combined legal experience, we can provide diligent and thorough legal services for your case.
Call us today at (703) 991-1949 to discuss your case with our aggressive and knowledgeable attorneys.