What Happens If the At-Fault Driver Has No Insurance in Virginia?

Being injured in a car accident is stressful enough—but finding out the at-fault driver has no insurance can make things even more overwhelming. The good news is, you may still have options for compensation.

If the driver who hit you doesn’t have insurance, your own policy can step in through uninsured motorist (UM) coverage. This type of coverage allows you to file a claim with your insurance company for your medical bills, lost wages, and other damages caused by the uninsured driver.

Real Case Example: Richmond Drunk Driving Crash

At Geoff McDonald & Associates, we recently handled a case in Richmond where our client was T-boned by a drunk driver who had no insurance. Fortunately, our client had strong UM coverage—a $1 million policy. Because of that, we were able to pursue compensation through their own insurance company, ensuring they weren’t left with the financial burden of someone else’s negligence.

Many people worry that making a UM claim will raise their insurance rates. In Virginia, that’s not the case. State law protects you from premium increases when you use your UM coverage, because the accident wasn’t your fault. Your insurance is there to protect you in exactly these situations.

Call Geoff McDonald & Associates Today

If you’ve been hit by an uninsured driver in Virginia, don’t panic—and don’t wait. Call Geoff McDonald & Associates in Richmond at 804-888-8888. We’ll explain your options, guide you through the process, and fight to get you the compensation you deserve.