How Does Auto Insurance Work In Virginia?
Auto insurance in Virginia has many aspects that are much different from auto insurance in other states. The more you understand about insurance, the better off you will be in case you have an accident. If you have already experienced a crash, it is never too late to learn more about insurance and your options.
At Bowen Ten Long & Bal, PC, we know the many details of insurance law because we have handled so many cases involving auto insurance. At our firm, we help clients in the Richmond area and elsewhere in Virginia who have suffered injuries due to serious motor vehicle accidents. On this page, we have provided answers to some of the queries about insurance that you have probably encountered.
Is purchasing auto insurance mandatory?
Virginia law does not require motorists to buy auto insurance. However, if you choose not to purchase insurance, you must pay an uninsured motorist vehicle fee every time you renew your license.
What is the uninsured motorist vehicle fee?
This $500 fee allows you to continue driving an uninsured vehicle. If you do have an accident, though, you may still be liable for any damages. You have the option of paying the uninsured motorist vehicle fee in installments.
What happens if I am in an accident with someone who is underinsured or uninsured?
Insurance providers offer uninsured motorist/underinsured motorist (UM/UIM) coverage for this exact purpose. UM/UIM policies can cover your damages if you are involved in a car accident with a driver who does not have insurance or whose policy does not cover everything. If the other driver’s insurance provider denies their claim, your UM/UIM coverage may help you.
If you do not have UM/UIM coverage, you may be liable for your own medical expenses, autobody repairs and other damages.
What is Medical Payments Coverage and how does it work?
Medical Payments Coverage, also known as Med-Pay, is a type of insurance policy that can cover your medical bills or any bills paid by your health insurance provider. This applies even if you are at fault for the accident, and it covers anyone who was in your car during the accident. Med-Pay is usually only a few extra dollars a month on top of your auto insurance policy.
Learn How Auto Insurance Helps After An Accident
If you have been involved in a car crash, don’t hesitate to contact a lawyer at Bowen Ten Long & Bal, PC for a free consultation. Insurance companies strive to settle case quickly and for much less than accident victims deserve. We will explain what you are entitled to and will help guide you through the claims process, no matter what level of insurance coverage you have. To schedule your initial consultation, call us at 804-767-6850 or send us an email.