New Virginia Law Underinsured Coverage/UIM Policy Limits

Beginning July 1 2023, the new Virginia law governing Uninsured Motorist (UIM) insurance coverage and Underinsured Motorist (UM) coverage will go into effect. This new law will trigger a big change in how liability insurance coverage works in Virginia. Read on for more information about this important law.

Mike Ritchie discusses changes to Virginia’s Uninsured Motorist coverage law in this video:

YouTube video

Liability Insurance Coverage: How it Currently Works With Underinsured Motorist Coverage

Right now, underinsured motorist coverage gets credit for the available liability coverage. For instance, let’s say you are in a car crash in Virginia and you have a case that’s worth $150,000. Next, imagine that the at fault party in the accident has liability coverage in the amount of $100,000.00 and you have a $100,000.00 policy as well for liability coverage and underinsured motorist coverage. Under this scenario, until July 1 2023, you would not have access to any underinsured motorist coverage, as your insurance company would get credit for the available liability coverage.

family with umbrella, car, house

Liability Coverage in Combination with UIM Coverage On July 1 2023

On July 1 2023, the law will change and will give coverage to the injured party for both liability insurance coverage and underinsured motorist coverage. So, let’s look at the example above again where you have a case that’s worth $150,000. Again, the liability coverage for the at fault party is $100,000 and you have a liability/underinsured motorist coverage policy with $100,000 in limits. Under the new law, you would have a total of $200,000.00 in possible insurance coverage for your injury claim.

Underinsured Motorist Coverage Payments

Underinsured motorist coverage payments is a complex topic that requires an experienced attorney to determine the total coverage available for payment. Many injury victims who try to handle their cases on their own end up not getting all of the coverage available to them. They don’t understand liability limits and have no idea that they can negotiate with their own insurance company for underinsured motorist coverage payments when there isn’t enough liability insurance coverage.

If you’ve been injured in a car crash and there is not enough liability coverage to pay what your claim is worth, you will want to talk with a lawyer who is experienced in dealing with serious injuries and a serious injury claim. The lawyers at the Ritchie Law Firm know how to investigate to determine if there is available underinsured motorist coverage when there isn’t enough liability insurance coverage. Don’t leave the insurance coverage on your claim to chance. You will want an expert on your side who can review the liability coverage available and determine if your insurance company will provide underinsured motorist coverage.

Determining Increased Underinsured Motorist Coverage

If you are researching liability coverage or underinsured motorist coverage for your personal injury claim, call the Ritchie Law Firm or, if more convenient for you, reach out to us by filling out our contact form. We are a team of experienced personal injury lawyers offering a free consultation to discuss the merits of your case. We will walk you through the available insurance covering liability arising from your auto accident. We will make certain that you understand available bodily injury liability as well as underinsured motorist coverage available for payment.

For many years, we have fought against the insurance company to make sure that our clients get all they are entitled to after being injured in an accident. Accident victims will want to make certain that they get all the medical treatment they need and that their medical bills from the accident are paid by the responsible insurance company. It is unsettling to incur expensive medical costs, lost wages, disability, case related costs, and other out of pocket costs without assurance that you’ll get a recovery from the insurance company.

The Ritchie Law Firm is a proven law firm that knows a client’s personal injury case worth and value. We handle your personal injury claim from the beginning of the case, paying medical records retrieval fees upfront, through settlement negotiations.


Do I Need a Personal Injury Lawyer: Virginia Car Accident Statute of Limitations

You may be wondering if you really need an attorney after an accident. The answer is, it really depends on your individual situation. Some personal injury cases are settled without going to court. However, if there seems to not be enough insurance coverage available for payment from the bodily injury liability insurance, you may need a law firm to take legal action to get the maximum amount of compensation you deserve.

If the insurance company is giving you the run around, the Ritchie Law Firm is here to help. The experienced, certified personal injury attorneys at the Ritchie Law Firm will help you make them pay for their recklessness and get all the coverage available for payment.  DON’T GET HURT TWICE!! We have helped thousands of injured people get the money they deserve.

Contact us by phone at 800-277-6124 or by using our online contact form.

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When it comes to hiring a personal injury lawyer, you need someone who is capable of helping you secure the maximum compensation your case is worth. This is why Virginia and West Virginia residents, entrust their legal needs to the team at Ritchie Law Firm PLC. After serving clients for more than 50 years, we have established ourselves as the area’s go-to source for effective counsel and representation. Contact us by calling (844)961-2541.

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