At least $300,000. Some people may require more than this. To know how much uninsured motorist (UM) coverage you need, it helps to know exactly what it is. As the name states, UM coverage applies when you're injured by an uninsured driver. Surprisingly, Virginia law doesn't require auto insurance and many people choose (unwisely) not to have it. Others let their coverage lapse accidentally. There are a lot of uninsured drivers in Virginia, and you need to protect yourself.
If an uninsured motorist causes your accident, the case is brought against your own insurance company. Therefore, you can control how much protection you have simply by purchasing UM coverage for your auto policy. Please keep in mind that the legal requirements of your case don't change. Your insurer is free to take all action necessary to defend, delay, or deny. In some respects, the case may even be more difficult. If you've been in an accident caused by an uninsured motorist, call us. Dulaney, Lauer & Thomas is a firm with one focus - injury law. We can help.