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Dulaney, Lauer & Thomas

How Uninsured Motorist Coverage Protects You in a Virginia Car Wreck

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Anyone who has gone to the emergency room for an injury that requires follow-up treatment for even a short period of time knows how fast the medical bills can add up.

If you are injured in a Virginia car accident caused by a driver who had only the minimum insurance coverage required in this state, and your medical bills exceed $25,000, you could end up paying the amount beyond that limit out of your own pocket—unless you have underinsured motorist coverage on your own insurance policy.

That is why the Front Royal uninsured motorist claim attorneys at Dulaney, Lauer & Thomas urge all drivers to spend a few extra dollars a month for uninsured/underinsured coverage on their policy. These days, more and more people are driving around with no insurance or not enough insurance. In an attempt to cut costs, many choose to forgo extra coverage to reduce their monthly premium. Unfortunately, doing so places themselves and others—including you and your family—at risk.

According to the National Highway Traffic Safety Administration, roughly 6 million car accidents are reported in this country each year. Another 10 million or more are not reported. And, the Insurance Research Council estimates that, nationally, about one in every seven drivers is uninsured. Those statistics are certainly not very comforting.

Adding uninsured and underinsured motorist coverage to a policy adds roughly 7 percent to 9 percent to an average auto premium, according to AAA Allied Group. That means if your car insurance costs you $150 per month, you would pay an extra $10-$14 for uninsured/underinsured coverage. That’s a small price to pay to protect your financial well-being.

We strongly recommend that you add this coverage to your policy. It could make a huge difference if you’re even involved in a Virginia auto accident.

If you’ve already been injured and are not sure what steps to take, contact the Dulaney, Lauer & Thomas office nearest you today. Or, fill out the form on this page and we’ll be in touch with you promptly.

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