Virginia law does not mandate the purchase of uninsured and underinsured motorist coverage. However, this additional protection could prove invaluable if you are injured in an auto crash in Norfolk or Virginia Beach that a negligent driver caused, and the driver has insufficient or no car insurance.
Unfortunately, filing a claim under one of these coverages with your insurance company can be complex. Having an experienced Norfolk car accident lawyer at Tavss Fletcher represent you can ensure that you obtain the compensation you deserve for your injuries.
What Is Uninsured and Underinsured Insurance in Virginia?
Uninsured and underinsured motorist insurance is optional car insurance coverage that offers protection when the at-fault driver in an accident either lacks insurance coverage or has inadequate insurance limits to compensate you fully for your losses. In such cases, your insurance policy will provide coverage up to the limits you have chosen for uninsured and underinsured motorist coverage.
What Are Uninsured and Underinsured Insurance Benefits After a Norfolk Car Collision?
If you buy uninsured and underinsured motorist coverage, you will have peace of mind knowing that you have an added layer of protection if you are in a car accident with an uninsured or underinsured motorist. Here are ways this insurance can help you:
Coverage for Medical Expenses
If you sustain injuries in an auto crash caused by a motorist with no or insufficient liability insurance, this coverage can help pay for your medical expenses, including hospitalization, surgeries, medications, and ongoing treatment, up to your policy limits.
Compensation for Lost Wages
If your auto wreck injuries prevent you from working, uninsured and underinsured motorist coverage can reimburse you for the wages you lose during your recovery period.
Protection in Hit-and-Run Collisions
In a hit-and-run accident where the at-fault driver cannot be identified or located, this coverage can provide a financial safety net, ensuring you receive the compensation you deserve.
If the negligent driver's insurance is insufficient to cover all your damages, uninsured and underinsured motorist coverage can step in to bridge the gap and provide the compensation you need.
Coverage for Passengers
Uninsured and underinsured motorist coverage may cover the passengers in your vehicle, ensuring their protection as well.