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In Virginia it's completely legal to drive without insurance, all you have to do is pay a fee at the DMV and you're good to go.  There are plenty of these people out on the road, and there are even more who only have minimal insurance.  If you get hit by either of these people (un-insured or under-insured) then you should be covered at least somewhat by your un-insured/under-insured motorist (UIM) clause in your own auto insurance policy.  The level of coverage depends on your specific plan, but if you fall victim to these drivers, it's likely you won't recover anymore than what your own plan offers.

You can download a FREE chapter of our consumer guide, The Five Deadly Sins That Can Wreck Your Injury Claim, to learn more about personal injury claims.

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Ben Glass
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Ben Glass is a nationally recognized car accident and ERISA disability attorney in Fairfax, VA.