Have you ever sat down and looked at your Virginia auto insurance policy and felt confused or overwhelmed about what it was saying to you? This happens to many people—not just here in Virginia, but all across the United States.
One of the pieces you will see on your policy is something called uninsured motorist coverage. This means that if you are involved in an accident with another driver who isn’t currently carrying auto insurance and is at fault there is financial coverage for your medical bills. This has nothing to do with repairing the damage to your car—that is something different. This coverage is to allow you to get medical help without getting stuck with all the bills just because the other driver made the choice to not hold auto insurance.
A very important point to know about this coverage is that if you file an uninsured motorist claim it means that your insurance company is acting on the behalf of the other driver. This means you should contact legal help to assure you are being represented in the best possible light and that you get the compensation you deserve. Your insurance company is only going to pay the claim if the other driver is found at fault.
Another important thing to remember if you must file a claim like this is that you should contact your insurance company immediately. Don’t rely on the other driver to do so. Being proactive and making sure you start the ball rolling for yourself is key, and it will be very helpful to you when the medical bills start coming in.
We here at Dulaney, Lauer & Thomas are more than happy to help you during this confusing time. We are here to help make sure you get the compensation and help that you deserve. Call us today to speak with an attorney who is knowledgeable in uninsured motorist claims.