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Do You Know the Difference Between Uninsured and Underinsured in VA?

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One of the first things your Culpeper accident lawyer is going to investigate after you suffer a Virginia accident injury is whether or not the driver who was responsible for your accident had car insurance. The answer you receive to that important question may come back in one of three ways:

  • The driver may have adequate insurance to cover your accident injuries.
  • The driver may have insurance, but may not have enough to pay for your accident injuries. In other words, the driver may be underinsured.
  • The driver may not have any car insurance and be uninsured.

The answer to the question is important to your potential recovery.

Important Differences Between Underinsured and Uninsured Drivers​

If the driver has adequate insurance coverage to pay for your injuries, then that driver’s insurance company should pay for your accident. However, how you get paid is more complicated if the driver is underinsured or uninsured at the time of the accident.

In order for your insurance company to pay any of your accident damages, you should carry uninsured motorist coverage as part of your insurance policy. Then, if the driver was underinsured, the driver’s insurance company may be responsible for some of your injuries—and your own insurance company may be responsible for the difference. Similarly, if the driver was uninsured, then your insurance company may be responsible for all of your accident injuries.

Call a Culpeper Car Accident Lawyer Anytime You’ve Been Hurt

It can be difficult to figure out which insurance company is responsible for paying damages. For more information, please contact an experienced Culpeper car accident attorney at 540-825-6046 or 800-741-1012 for a free consultation.

Andrew Thomas
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Andrew Thomas is an experienced civil litigation attorney in Virginia and is AV Rated by Martindale-Hubbell.
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