Every auto policy issued in Virginia must include uninsured and underinsured motorist (UM/UIM) coverage in amounts at least equal to your liability limits, unless you formally reject it. This coverage steps in when the at-fault driver has no insurance or not enough.
Virginia Requires UM/UIM Coverage
When UIM Applies
If the at-fault driver carries only minimum limits and your damages exceed them, your UIM coverage can make up part of the difference. Virginia's UIM follows a specific 'add-on' framework that an attorney can help you navigate.
Hit-and-Run and Phantom Drivers
UM coverage can also apply in hit-and-run crashes, even when the other driver is never identified, provided certain proof requirements are met.
Why You Need Help With UM/UIM Claims
These are claims against your own insurer, and they are not always cooperative. An attorney ensures you stack and access every dollar of available coverage.
This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Virginia attorney.