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Shapiro, Appleton & Duffan, P.C.

What if the driver who hit me doesn't have any insurance, or some insurance but not much?

If the driver who hit you does not have auto insurance, do not fret. You should be able to access underinsured/uninsured motorist (UM/UIM) coverage on your auto insurance policy. Most Virginia auto insurance policies require drivers to carry a comparable amount of UM/UIM coverage and liability coverage. This means that if you have $100,000 in liability coverage, you should have $100,000 in UM/UIM coverage. If the at-fault driver has auto insurance, but it is a minimal policy (Virginia law only requires a driver to carry $25,000 of coverage), you should be abe to access your UIM coverage to off-set any difference between your damages and the other driver's minimal coverage. For example, if you have $50,000 in medical bills, but the at-fault driver only has $25,000 in coverage, you can access your UIM coverage to cover the outstanding $25,000 in damages.  
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