Car accidents can turn your world upside down in an instant. Beyond the physical injuries and emotional trauma, victims often face mounting medical bills, lost wages, and property damage that can create overwhelming financial stress.
When the at-fault driver carries insufficient insurance coverage to fully compensate you for your losses, the situation becomes even more challenging.
At Ritchie Law Firm, our experienced attorneys have handled thousands of car accident cases throughout Virginia over the past 50 years. We understand the frustration and concern that comes with discovering the other driver’s insurance policy limits fall short of covering your actual damages, and we can help protect your interests.
What Are Virginia’s Insurance Coverage Requirements?
Virginia law requires all drivers to carry minimum liability insurance coverage of $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $20,000 for property damage.
While these amounts may seem adequate at first glance, they often prove insufficient when serious injuries occur. A single emergency room visit can easily exceed several thousand dollars, and if you require surgery, ongoing physical therapy, or face permanent disability, your medical expenses alone can quickly surpass the at-fault driver’s policy limits.
The reality is that many Virginia drivers carry only the minimum required coverage, leaving accident victims vulnerable to significant financial gaps.
What Are The Signs Of Underinsured Coverage?
Several warning signs may indicate you’re dealing with an underinsured driver. If the insurance company seems eager to settle quickly for their policy limits without thorough investigation of your injuries, this could signal that their coverage is insufficient. Additionally, if your medical expenses are approaching or exceeding $30,000 and you’re still receiving treatment, the minimum liability coverage may not adequately compensate you.
Our attorneys at Ritchie Law Firm carefully evaluate each case to determine whether the available insurance coverage will fully address our clients’ needs. We review medical records, consult with healthcare providers about future treatment needs, and calculate all potential damages including lost earning capacity and pain and suffering. This comprehensive approach helps us identify underinsured situations early and take appropriate action.
Your Options When Facing Underinsured Coverage
When the at-fault driver’s insurance proves insufficient, you have several potential avenues for recovery.
First, your own auto insurance policy may include underinsured motorist coverage, which can help bridge the gap between the at-fault driver’s policy limits and your actual damages. This coverage essentially allows your insurance company to step into the shoes of the underinsured driver and provide additional compensation up to your policy limits.
However, dealing with underinsured motorist claims can be complex. Your own insurance company may resist paying the full amount you deserve, arguing that your injuries aren’t as severe as claimed or that certain treatments weren’t necessary.
Another option involves pursuing the at-fault driver’s personal assets if they have sufficient resources to satisfy a judgment. While this approach can be more complicated and time-consuming, it may be necessary when insurance coverage falls significantly short of your damages. Our attorneys can help evaluate whether this strategy makes sense in your particular case.
Should You Purchase Uninsured/Underinsured Motorist Coverage In Virginia?
One of the most important steps Virginia drivers can take to protect themselves is purchasing adequate uninsured/underinsured motorist coverage. This coverage protects you when you’re injured by a driver who either has no insurance or insufficient insurance to cover your damages. Unlike the at-fault driver’s liability coverage, your own UM/UIM coverage is designed to protect your interests.
When reviewing your insurance policy, pay attention to the limits of your uninsured/underinsured motorist coverage. Many people unknowingly carry low limits that may not adequately protect them in a serious accident. Our attorneys can help you understand your current coverage and make informed decisions about appropriate limits for your situation.
When Does Litigation Become Necessary?
While many underinsured driver cases can be resolved through negotiation, sometimes filing a lawsuit becomes necessary to protect your interests. This might occur when insurance companies refuse to offer fair settlements or when the case involves complex legal issues that require court resolution.
Our attorneys have tried personal injury cases in Virginia courts for over 50 years and are prepared to take your case to trial when necessary. We understand that the prospect of litigation can be intimidating, but our role is to guide you through the process and handle all legal complexities while you focus on your recovery.
Ritchie Law Firm Helps You Move Forward With Confidence
If you’ve been injured in a car accident with an underinsured driver, you don’t have to face this challenging situation alone. Our compassionate legal team understands the physical, emotional, and financial toll these accidents can take on you and your family.
Don’t let an underinsured driver’s insufficient coverage prevent you from receiving the compensation you deserve. Contact Ritchie Law Firm today to schedule your free, no-obligation consultation and take the first step toward protecting your rights and securing your future.