What happens when you are hit by a driver in Virginia who does not have enough insurance to cover the costs of your injuries and vehicle damage? Uninsured and underinsured motorist insurance is a type of auto insurance in Virginia which can bridge the gap between your costs and their level of insurance. Most states require a certain level of liability insurance which can pay for bodily injury and property damage of other vehicles in an accident caused by one of the drivers. As Virginia is an at-fault state, drivers should have liability insurance which meets minimum limits mandated by state law. These limits are $25,000 per person and $50,000 per accident for bodily injury and $20,000 for property damage. These limits are often written as 25/50/25.
Uninsured and underinsured motorist insurance kicks in when a driver causes an accident and their insurance cannot pay for all the costs sustained. This type of insurance covers both bodily injuries to your or your passengers and the damages to your vehicle. Some drivers may not have insurance at all or they may be from another state which requires lower limits than Virginia requires. If the accident is severe, uninsured and underinsured motorist coverage can potentially protect you from massive costs you might incur with a lower level of coverage. A qualified insurance professional of auto insurance in Virginia can guide you in determining an optimal level of uninsured and underinsured motorist coverage for you and your vehicles.