It’s probably hard to remember what coverage you chose when you purchased your auto insurance policy. The agent may have gone over various options and given you a stack of papers to sign. Once the process was overview, you most likely didn’t put that much more thought into your insurance coverage. However, everything may have changed when you were hurt in a Herndon auto accident, especially when you discovered that the other driver did not have insurance.

Whether you have just been in an accident or not, you need to know what is included in your insurance policy. One of the areas that is often neglected, when it comes to auto insurance, is uninsured and underinsured motorist coverage. This type of coverage is crucial in Virginia, given the fact that our state law allows drivers to pay a $500 fee to the Virginia Department of Motor Vehicles in lieu of auto insurance.

Here are some things you need to know about underinsured and uninsured coverage:

  • If a driver without insurance injures you, then your own insurance company will cover your damages up to your uninsured motorist limit.
  • If you are hurt in a hit and run accident, your uninsured motorist coverage will kick in.
  • When the other driver is insured, but the limit is low, you can use your own underinsured motorist coverage.

Review your insurance policy today to find out if you have the right insurance coverage. If you have been injured in a Herndon car accident, order a free copy of the book, Five Deadly Sins That Can Wreck Your Injury Claim.

We recently opened a satellite office to serve our clients in Herndon and the western part of Fairfax County.  Contact us at 703.584.7277 to set up your appointment.

13800 Coppermine Road
Herndon, VA 20171
(by appointment only)

Ben Glass
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Ben Glass is a nationally recognized Virginia injury, medical malpractice, and long-term disability attorney
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