No one likes to think that a serious Front Royal car accident injury will happen to them. But, as the old saying goes, accidents do happen, and it’s important to be as prepared as possible when it comes to your automobile insurance.
Very few drivers know how important it is to carry coverage above and beyond basic liability on a policy. And, since the state of Virginia does not require its drivers to carry auto insurance, there are many drivers on the roadways without it. As more and more drivers struggle in this tough economy, the number of uninsured drivers will only continue to climb, which in turn will put you and your family at risk every time you get behind the wheel of your car.
That is why the lawyers at Dulaney, Lauer & Thomas urge all drivers not only to review their policies on a regular basis, but also to make sure to add uninsured motorist coverage. While the attorneys in our office hope that you are never involved in a Virginia car accident, we still want to remind you how important it is to have a good policy in place in case one does occur.
The attorneys often see personal injury cases where the at-fault driver who has injured their client has only the state-minimum policy of $25,000, or no coverage at all. The injured person is then left with no way to pay his or her medical bills or obtain compensation for time lost by being unable to work.
That is why it is imperative that you protect yourself and your family by adding uninsured and underinsured coverage to your own auto policy. It is strongly recommended to have at least $100,000/$300,000 in uninsured motorist coverage, or the coverage that provides protection in the event a driver with no insurance injures you in an auto accident.
Underinsured coverage kicks in when the person who hits you has some insurance, but not enough to cover your injuries. In a situation where a driver is carrying only the $25,000 state-mandated minimum, it is easy to exhaust the policy limits.
For more information on protecting yourself after a serious car or truck accident, contact the lawyers at Dulaney, Lauer & Thomas by calling 540-636-7100 to set up your free case evaluation. Or, simply fill out the online form on this page and tell us more about your situation.