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You should contact your insurance company to find out the amount of uninsured motorist coverage (UIM) you might have as part of your policy.  This coverage is designed for the scenario you described – to compensate you for injuries caused by a driver without insurance.  Most people have uninsured motorist coverage included in their policies.

Don’t be surprised if your own insurance company becomes difficult to work with.  Lately, insurers have been notorious for making lowball settlement offers.  The insurance company doesn’t make money by paying claims; so don’t expect the insurer to be looking out for your best interests.

To find out what actions can actually hurt your claim following a Virginia car accident, order my book, Five Deadly Sins That Can Wreck Your Injury Claim.  This book is free to Virginia accident victims.

Ben Glass
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Ben Glass is a nationally recognized ERISA disability & life insurance attorney in Fairfax, VA.