Finding out the other driver has no insurance can make a crash even more stressful. You still have options under Virginia law. Your own uninsured or underinsured motorist coverage may pay for medical bills, lost wages, vehicle repairs, and pain and suffering. If this coverage is not enough, you may still have other options such as a personal injury lawsuit or a claim against a third party.
Report the crash to your insurance company as soon as possible. Gather all evidence, including the police report, witness statements, and medical documentation. Do not sign any quick settlement without reviewing the policy limits or consulting an attorney. Once you accept payment, you lose the opportunity to seek additional compensation.
The two-year filing deadline in Virginia can arrive fast. Evidence and documentation can vanish within days, which is why acting quickly is crucial.
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