By now, you've learned that Virginia insurance law is a bit confusing. The reason we need to know your car insurance carrier is because if the defendant who caused your injuries is uninsured (or doesn't have enough insurance), you may need to look to your own car insurance to "pick up the slack."

Indeed, when you purchased your car insurance, you likely purchased "Under-Insured Motorist" (UIM) coverage. UIM coverage would protect you if the negligent person that caused your injury was also negligent in not buying enough insurance.

And don't worry, your car insurance company will not penalize you for using your UIM if it becomes necessary. UIM is a "no-fault" policy meaning you weren't at fault for needing it. Because the defendant caused your injuries, your premiums should not go up for using the UIM portion of your car insurance.

One thing I have noticed in asking people about their UIM is some think that it's simply wrong to bring in their own car insurance when they didn't cause the accident.  I understand the moral argument behind this notion.  However, in purchasing UIM coverage, you've paid a lot of money to protect yourself from this exact situation - being injured through no fault of your own in a car accident. So don't throw away the diligence that you've shown in purchasing UIM as well as the significant money you've paid for that protection.

For more information about using UIM in your car accident case, check out our article here.