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Does Uninsured/Underinsured Motorist Coverage Apply to People Named in Your Auto Insurance Policy If Struck by an Uninsured or Underinsured Motorist?

Yes. Virginia Statute Section 38.2-2206 defines “Insureds” as the named insured and residents of the named insured in the same household (including the spouse of the named insured, and relatives, along with wards or foster children of either) while in a motor vehicle or otherwise. Basically, this means that if a relative in the same household is hit and injured by a driver who lacks auto insurance or who has insufficient coverage, can file a UM/UIM claims with the named insured's auto insurance policy.
Seth Scott
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Norfolk, Chesapeake & Va Beach Injury Attorney