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.