While this may surprise you a bit, the fact is that in Virginia it’s perfectly legal to drive a car without insurance. It’s true! Through a strange quirk in Virginia law, you can register your vehicle and in lieu of paying insurance, you pay an “uninsured motorist fee”. While, the fee doesn’t provide insurance to you or anyone else, it does give you permission to drive.
If the person who caused the accident doesn’t have insurance, you will end up having to make a claim under the uninsured motorist provision of your policy. It’s up to you to provide your own insurance company proof that the person who caused the accident is not insured. The insurance company may be able to verify this for you. However, here is the bad news, as a result of this, your own insurance company now becomes your adversary, and in essence they are “representing” the person who was driving the car without any insurance.
The uninsured motorist provision of your policy also covers hit and run accidents. If you don’t know the identity of the person who hit you because they fled the scene, you can make a claim under this provision.
Lastly, this same provision will also provide coverage if the person who caused the accident happens to have less insurance than you do. Again, it’s important to mention that having a Board-certified personal injury attorney review your case is still a good idea even if you are going to be the one negotiating with the insurance company.
Have More Questions About Settling your case by yourself? Visit GetItsettled.com to find out more!